<prompt> Human: Its essentially paying off their current credit cards with other 0 interest credit cards. They plan on doing this as long as they can secure 0 percent cards, and one day pay it all off before interest hits.I initially advised them against it, but I couldnt really see any downsides to the plan. Unless they dont have the cash to cover the debt by the time the 0 percent offers expire which is pretty likely and they start getting hit with interest. Am I missing anything?  <response>: You cant pay a credit card with a credit card. You can do a balance transfer, but theres usually a fee involved.Credit card companies like people like your friend, because if you play with snakes long enough you sooner or later get bit. 