[boefixepa]

I love these! If I am patient I will get ones with 0% for 18 months! I am currently making around $30 a month on the one I have, plus I just cashed in my reward points for a $50 gift certificate. A month before it expires I will pay the whole thing off! I just use it as a holding account to earn interest basically. But as someone pointed out earlier, you can't overspend! Every dime I spend on the card is set aside and put in a savings account. So I am never spening money I don't have. Just earning interest on it while I have the 0% rate.