I've strategically used 0% BT offers in the past. Agree if you need a loan it's the cheapest personal loan you can get by far. The obvious catch is that you nee

I've strategically used 0% BT offers in the past. Agree if you need a loan it's the cheapest personal loan you can get by far. The obvious catch is that you need a plan to pay it off completely in 18 months (or subject yourself to nearly 30% interest, which is what the credit card company is hoping for). The biggest downside vs a traditional installment loan is that having high utilization on a revolving credit line like a credit card has a much bigger negative impact to your credit score than having an equivalent balance on installment.