[ItisaReligionofPeace]

Really? I have lots of credit card debt. As long as they’ll loan it on cheap terms, (i.e. 2.9% for life, etc.), I’ll borrow.

[GregoryFul]

A few years ago, one of my credit cards offered 0% (+$75 fee) for 9 months - couldn't beat that, so I borrowed $50,000 at 0%, threw it into stocks, and nearly doubled it. Now this same CC is offering 4.9%. I'm thinking about it, considerably less than margin loan.

I'm sure they are trying to lure people who cannot repay, or keep up with monthly payments into making a poor choice. My situation is quite different. I feel like I'm cheating them at their game.