Another word of warning...
Many times those "pre-approved" 0% offers are not a guaranteed rate. They send the offers to almost anyone, but only approve the rate for people with credit scores over 700 (or whatever). So, if you have a 699 score and apply thinking you'll get the 0% rate, they'll give you the standard 14.9% rate (or whatever). Of course, they won't tell you until you've already applied and been granted the account. So check your terms after you sign up as well. You may end up with a useless credit card and an extra credit pull on your report. I would call and try to ensure I'd qualify for the promo rate before applying.
This happened to me many years ago when I was a student... I financed a computer from a major retailer because they advertised 0% for 18 months. However, when I signed up I didn't qualify for whatever reason, and the rate was like 23%! They didn't make it obvious when I applied, and in fact I didn't figure it out until I got my first statement in the mail. Thankfully, I had the money in savings and paid it off instead of delaying the 18 months.
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