Ah. I hadn't considered credit card churning. Thanks! (I do have some reservations -- I'm guessing that only a small minority of cardholders attempt to churn t

Ah. I hadn't considered credit card churning. Thanks! (I do have some reservations -- I'm guessing that only a small minority of cardholders attempt to churn their balance from card to card or pay it off before the end of the promotional period. 12-month lines of credit don't come for free, and if the expected average payoff wasn't worth it, credit card companies would probably stop running these promotions.)