[abowers]

0% cards have been useful for me! I read all the fine print.
I paid off one of my cards, then carried a zero balance on it -- talked them down to a lower interest rate (by 9 points) then they offered the 0% promotional period on balance transfers, for a year. So I transferred all of my store-credit card balances onto this card, I figured out how much I have to pay each month to pay it off before the promotional period ends. I'm making approximately those payments and should be good in July 2007!

edit: I also scheduled automatic monthly payments for the minimum payment so that I don't have a chance of being screwed over by making a late payment :. ending the promotional period.