[Lizavetta]

I get credit card solicitations weekly for "no annual fee, no interest for a year" offers.

Am I an anomaly? When the no-rate time period runs out, simply transfer to a new no-interest card.

[ThePythonicCow]

I get credit card solicitations weekly for "no annual fee,

Aha - that was the key to my confusion. No annual fee. That is common, along with zero interest. Where they get the money, for sure, in those cases, is in charging you an initial fee, of perhaps 3% of the credit advance.

So when I said I had not seen "zero interest, zero fee" I mean t I had not seen "zero interest, zero initial advance percentage fee."

Thanks for qualifying annual in your mention of fees, above.