<prompt> Human: I was looking for deals as usual and come across this post Someone in the thread said if you got approved. It basically mean you get a free loan for 15 months. So I am thinking applying and use that money to either draw out cash and go investing or purchase big items with it. Whats your opinions on the 0 APR credit card? It is worth the effort?  <response>: They were handy when I was paying off some CC debt. Of course, I racked up the CC debt in the first place because of 0 offers. Your mileage may vary. 