A further thought, just to make the picture clearer.
These 0% interest offers are a good tool to help you move debt and give you a breathing space to pay off some of the debt you owe. But have no illusions about why companies offer it.
Its not some fanciful idea that they want to provide you with a brilliant service and hope you will stay as a customer.
They are, in effect, betting that you cant change your ways, wont pay it off and will become beholden to them to pay interest. They are buying debt to make money from you.
As is already written on these boards, 0% interst cards are a brilliant opportunity to get debt free. But the lenders are banking you wont have the discipline to repay the capital.
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