No. I have excellent credit. I charge almost everything to get reward points and pay the bill in full monthly. I'm always getting 0% credit card offers. When I get a good one, I call one of my existing card issuers and try to get them to match the terms. I still have my first 2 cards issued in 1988 and they usually agree to a 0% balance transfer of 6mos-1yr. I always ask for checks and I write it out to myself for the maximum amount allowed. My union has a supplemental pension savings plan that's currently paying 4.9% guaranteed. I let the bank's money sit there while I make minimum payments and I stop using that card.

When the balance transfer period is up, I just do the same with another card. This last time Chase Bank realized what I was doing and offered me 2.9% until the balance was totally paid off. They let me add to the balance up to my credit limit ,so I agreed and cut up that card so I can't make a mistake of using it.