<prompt> Human: I had around 20k in credit card debt at the start of this year due to poor money management and never having really dealt with personal finance previously. Thanks to this subreddit and lots of discipline, Ive knocked that down to about 4k left.Halfway through this year, I transferred it all on a 0 APR balance transfer for 6 months to a card at my new credit union. Now my previous bank, who I still have the original card with, is offering a 0 APR balance transfer for 2 years. Is there any negative for doing this? It seems like a win to keep flipping the balance and not paying anyone interest. Are the banks just hoping that I wont pay it back in time and looking to make money afterwards? Does this affect credit score in any way?Any thoughtsadvice would be appreciated.  <response>: If you can do it, do it. Paying interest you dont have to pay to help your almighty credit score is foolish. Will this new card charge a fee for the balance transfer? 