This is a terrible idea. If you incorporate and go into heavy debt, your creditors are going to liquidate your business in short order. But let’s look at why.

You buy $20,000 of stuff on cards. Those cards have interest, and for most cards that interest is high. If you aren’t turning a 20% profit immediately your debt is going to start compounding and snowballing. Even if you turn profitable in a year, what are your margins? If they’re not 20%+, you will never break even. If they are, you have to dig out from under mountains of debt to actually get a net profit.

The way to start a business that has a solid plan is a business loan, not a credit card. And the better way is to start with savings and make sure this is a viable plan.