NEVER, EVER use a 0% Credit card balance transfer. All of the offers I have ever seen involve using 97 cent dollars. That is, there is almost always a 3% balance transfer fee up-front. These are NEVER, EVER a good deal for the debtor.- what if the transfer is from another card that has a current rate of 18.99%- what if the balance transfer fee is capped at $75. (have not seen one of these offers in awhile)There are no absolutes. You should never use NEVER, EVER. Let math determine if it is a good deal.PSU
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