I would disagree. Ive made it through college by just transferring balances to 0% interest cards and get a new one every 15 months or so. I pay 2% balance trans

I would disagree. Ive made it through college by just transferring balances to 0% interest cards and get a new one every 15 months or so. I pay 2% balance transfer fees or so everytime. Which is a better rate than the big Banks get from the fed.