<prompt> Human: Some background:- 27yo male, good paying job, based in NYC, regular 401k contributions- Emergency fund in tact 1k- Mutual fund getting regular investmentI have two credit cards that are No interest, one being the Chase Slate and the other being Capital One Venture. Both have the no interest period expire in Q3 17. I expect to get the Chase paid off but the Venture I wont quite finish - Ive been using it for large purchases since it accrues points at a good rate.Is there a penalty, outside of a balance transfer fee, to move that Capital One card balance over to, say, a Discover card with no interest until late 2018? Will my credit be affected? I dont want to hop around too much, hopefully I can get both paid off, but I want to understand my options in advance.Thanks for the help! Im new to rpersonalfinance and am excited to read and keep posting!  <response>: Theres good advice already here. Just wanted to point out that 1 1K emergency fund in NYC is probably a month of rent, at most, and 2 continuing to build a 0 balance is risky because you may accrue a substantial piece of debt over this time that youll end up paying interest on since youre not paying it off. The worst scenario is that you do this, you accumulate a large amount of 0 debt and a few months before it becomes 20 APR debt or whatever, you lose your job in NYC with only 1K to back you up. Thats a potential recipe for bankruptcy. Be careful. 