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Maybe you have student loan debt of ten grand, which has a horrible percentage rate. Well, you can transfer the balance onto your new credit card and suddenly have a 0 percentage rate. That's great! There are no two ways about it. It would even be better if you could pay the debt off before the year of 0 APR runs out. Anyway, with most 0 apr credit cards it doesn't concern purchases.
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She received one of the various 0 balance transfer credit cards in the mail a few years back, and decided to transfer a large balance from another card to the new one. Well, at the time this sounded ideal; however, within a year the new credit card had a much higher interest rate than her old one. We all have to watch out for this. It's certainly not difficult to attain 0 balance transfer credit cards these days. The key is to find a great one that actually holds a low interest rate over a long period of time.