[cptacek]

I used Empire in Dallas. They were great...estimate one day and carpet in the next. I got their 0% for a year offer and paid it off when I sold my house.

I used the Home Depot 0% offers on $299 and up and also paid that off when I sold my house. I bought a kitchen table from Ashley Furniture for 0% until 2010 and that bill is on an automatic payment so I won't forget it. Still paying on that, and I was going to pay it off early, but now that I have auto payment I'm not going to.

Use it wisely. Even if it is 0% you are still having to pay a certain amount each month, so if cash flow is a problem, I wouldn't recommend it. Most of the time, the amount they tell you to pay won't get it paid off within the time limit, or the last payment will be scheduled 15 days or so after the promotional offer ends and you'll get caught. I always paid off the last payment a few months ahead of time just so they couldn't trap me.