Ever take advantage of 0% financing?

[crabbypatty]

It's not a 0% financing offer, but essentially the same. On our last car with about $5-6K left to pay, we transferred the remaining balance to a new 0% intro credit card. It was a card we were planning to keep anyway. Benefits? obviously less in interest payments as well as the original finance company sends us the title. If some unexpected financial disaster hit us, at least we would not have our car repossessed since we have the title.

I was considering doing this at some point. We've got car EF's but instead of paying cash, I might want to hold some back in case we need it for something else. I would only do this if I had the money anyway though. CC interest would be higher than used car loan intrest on a card converting from 0%.

[Hot dog]

I have been planning to switch all of my 0% balances to another card that offers 0% for 15 months and no balance transfer fees. I have gotten like ten offers from the same card and now is the time to do the transfer so I look for the offers and I meant to keep at least one and I must have thrown them all out I am so mad at myself Anyway my SO just got the same offer so I called and they said they can't find my name in the system and they would give it to me with a balance transfer fee of 3% Does anyone know if my SO could transfer the balances even though my name is the only one on the other cards I'd hate to pay $75 for each BT although I would probably make more than that in interest for 15 months it is around $15,000 and I have it in the bank accrueing interest.

[myself]

I have been planning to switch all of my 0% balances to another card that offers 0% for 15 months and no balance transfer fees. I have gotten like ten offers from the same card and now is the time to do the transfer so I look for the offers and I meant to keep at least one and I must have thrown them all out I am so mad at myself Anyway my SO just got the same offer so I called and they said they can't find my name in the system and they would give it to me with a balance transfer fee of 3% Does anyone know if my SO could transfer the balances even though my name is the only one on the other cards I'd hate to pay $75 for each BT although I would probably make more than that in interest for 15 months it is around $15,000 and I have it in the bank accrueing interest.

If I wanted to (even though I'm a total stranger), I could transfer your balances to my credit cards. The companies really don't care, so long as the money is paid back by someone.

[Hot dog]

If I wanted to (even though I'm a total stranger), I could transfer your balances to my credit cards. The companies really don't care, so long as the money is paid back by someone.

So how 'bout it do you want to? PLEEEAZZZ even PERTY PLEAZE

[BCHGRL]

Yes, I am a frequent user of 0% interest ccs. We bought our sectional couch, our tv, and our new floors (hardwoods, tile, and carpet) taking advantage of the 0% interest. We paid the couch off 6 months early, the tv 7 months early and the floors 8 months early.

I am not aware of any discounts that we would have received if not using the 0% interest. I will only use a 0% interest credit card if I have the ability to make triple the minimum payment. I will not have more than one interest free account open at any one time.

I LOVE our new floors. It has made such a drastic difference in our home. The hardwood floors are gorgeous and easy to maintain. My weekly vaccuuming time was cut down by at least one hour/wk.

I think 0% interest is great if you are disciplined and have the wiggle room within your budget to beat the payment schedule. For those less disciplined or on a tight budget, the 9% interest cc may not be such a great deal.

[Scanner]

Maybe rather than frugality, in the forum's opinion, what's the best value for your money when it comes to carpet or hardwood flooring? Maybe carpet is and just figure it needs replacing every 3 years.

Barring any totally off-style suggestion - like putting Little Tikes plastic or cement everywhere, what will pay off in the long run?

BTW, thank you all for your responses so far.

[Hot dog]

just wandering why anyone would pay off a 0% cc why wouldn't you just put the $ into your MM and then pay it the month it is due so that you could make some $ off the cc instead of paying 3x the amount due or months early