<prompt> Human: Is there a reason for it, and are there any ways to take advantage of it?  <response>: are there any ways to take advantage of it?Because this mentality gets people into trouble. Oh, I dont need to pay this off right away! causes people to spend money they dont have.If you already have credit card debt and are trying to pay it off, cards like the Chase Slate have 0 interest on both purchases and balance transfers, as well as a 0 transfer fee. Essentially, you move over debt to this card and have 18 months of no interest.For us Personal Finance people, thats a chance to get ahead of interest. For everyone else, 0 interest is a trap to get you to spend outside your means. 