<prompt> Human: Hello PF, First post, have been watching this sub for quite some time and from following advice here and other research Ive finally gotten to a point where my budget is working, paid off my car, and am snowballing debt. My question is has anyone ever played balance transfer cards against each other? Meaning sending one balance from card to card every 12-18 mos to maintain a 0 APR? Any pros or cons to doing this? I feel like if I can do this I can get my cc debt knocked out quickly and with paying little interest. Assistant: Clarification.. Im definitely at the point where Im not adding any debt to it. I should also clarify that as of now I have just two CCs with balances on 0 and the promo rates are due to expire in the next 6 mos and I think Ill be able to plan it out to essentially swap the balances on the cards and have another 12-18 mos interest free.  <response>: people do this very often and it works out fine. 