the best use of an offer is to take them up on the special deal to just below the max. Write the check to your bank. Pay off debts. Don't spend the cash and DON'T CHARGE ANY MORE THAN REQUIRED UNTIL THE INTRO PERIOD IS UP.In my case I've had several 0% loans. each one for over 6 mo. I wasn't required to make any additional purchases and did not.look carefully at Balance transfer fees and transaction fees and the new fees to soon be defined.Credit card companies charge illegal (usury) rates on simple loans.Write to your senators and reps.Mine from Michigan and Hilary and George don't listen because the CC industry is financially too powerful.