<prompt> Human: Kind of a random question, why isnt everyone with credit card debt using 0 BT offers? Is it just lack of awareness, sloth? What is it?The reason I ask is that I am thinking about financing a business acqusition using credit cards. I can keep transferring the debt every year. There are literally dozens of BT offers available at any time. And if they ran out, Id still be okay the industry the business Im in has 33 Cash-on-cash returns.  <response>: People in credit card debt often have bad credit. Moreover, if they have CC debt, banks are generally going to offer lower limits on BT cards. Simply put, most people who can get a good BT card, dont need it. 