<prompt> Human: Im looking at getting laser eye surgery in the next couple of months. They offer third party financing which would give me 14.90 interest for 24, 36 or 48 months. I can get 0 interest on my credit card for a year but after that it goes back up to the standard rate. They say if I call before the one year is up they can bring it down below the standard but cant guarantee a set number.Can I get a new card after one year and do a balance transfer and get 0 Anyone have any experience with this or have any suggestions. Thanks in advance  <response>: Financing an elective medical procedure is a bad idea. If you want to do this, get it done after you save up the cash. 