low card rate

Well, often these low rates are teasers which get restored to a much higher rate after a period. However, there is no harm in taking the offer if you have a plan to pay it off in full before the teaser rate disappears.

what i have noticed is that you will get 0% for awhile or a vary low one and they raise it in a year to something astronomical. also be cautious as to how often you do this because with every new card is a hard inquiry on your credit report that will lower your credit rating. but if you have intentions of paying it off before the introductory rate is up by all means go for it but i would advise that you only do this about 1 time a year. My mother in law paid off 20,000 worth of debt very quickly without paying interest this way. It does work, but you must be dilligent and know what your doing.