Well some time back I stated I was going to try to do a credit card transfer at 0% and invest the money. I was sort of incredulous that a CC company would accept such a large overpayment, and then refund the overage. I called ahead of time, and they insisted they would. (Well someone on the phone *said* they would). Anyway, it all worked so easy I was amazed.

I now have the money in a bank making good CD rates for nine months. I make enough money to pay the monthly payments without a problem (they're 2%). And already I have signed up for a card where they will give you a $100 bonus for signing up, and it came with a 0% transfer check. I don't even have to move it through another credit card first! If I do this one (and I think I will), I will not put most of it in a CD, but leave it in high interest online bank accounts instead. While cutting down the earned money slightly, it will increase my liquidity immensly.

For anyone reading this and considering doing it yourself, make sure you understand all the ramifications (credit scores, investments should be super safe, liquidity issues, and more). And don't use the money for something else and then not have it to pay it back!!!! This isn't for everyone, but if you control your expenses correctly, it can work for you. Oh, one more thing - try to make sure and pay your monthly CC statements online. That way you are sure you have made every payment on time, otherwise you can lose your 0% rate very easily!