<prompt> Human: I have a bad? good? habit of being heavily invested in equities and trying to stay as cash poor as possible. For the next several months, Im not going to have any income, and my total expenses might be 1000mo. I dont want to liquidate any equities, because they are making me money, plus Id have to pay the taxes on it!So I picked up a 10,000 credit line with 0 interest and no fee balance transfers. Id like to take advantage of this as an interest-free loan. I have some other credit cards, but no credit card debt. My thinking is to get a negative balance, then get a refund in cash which I can use as needed for the duration of the 0 APR period. Can I just do balance transfers on cards without a balance? Do I need to buy 10,000 worth of stuff first, then do the transfer, then return the return the items to get a negative balance? Is there some other good strategy or hiccup that Im overlooking?Thanks!  <response>: Youre playing with fire. Stop gambling on equities with the money you need for food, housing, and utilities. 