>>60504653Hang on so if I have this correct then the second explanation is true. So I guess the value of these cards is that the original card you were using has an absurd interest rate that you want to cancel and or you get a longer period of time for the 0% such as two years right? If thats the case (and from researching this a minute it seems you can keep zero interest just by paying the minimum payment) then can't you just keep transferring the balance to new cards, never pay any interest, and then just pay it all off potentially years later?