Understanding 0 APR Credit Cards

Credit cards are certainly one of the greatest weaknesses for human beings. Now, I cannot really speak on behalf of everyone else, but Americans are seriously guilty when it comes to charging it. I worked in customer service for 8 years and saw people day-in and day-out, abusing those evil credit cards. I call them evil for obvious reasons. They tend to shaft you with the interest rates at some point or another. Of course if you can find 0 APR credit cards, then that is ideal. You want no interest rate on balance transfers and purchases. Ha, if you can actually find such a credit card, then I commend you.

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