That very much depends.<p>Many years ago this "0% transfer" stuff was relatively new in the UK and a new outfit wanted to break into the market, they had two ideas which I guess they had costed as marketing ploys. First, the cards were a weird shape, this means there are a few applications where your card doesn't work, which is slightly annoying, but it's balanced by the brand recognition. Nobody cares which brand of rectangular plastic card you... oh, that's a weird shape.<p>But the Second was the easiest possible 0% transfer. To effect the transfer they write you a cheque for however much they'd agreed (let's say £1000) and you use that cheque to pay off a card or other line of credit. They charge 0% on this for 12 months.<p>What I, and lots of poor but money-savvy people did was sign up for the card. Deposit the cheque in an interet-bearing savings account, and set an alarm to pay the card off before that 0% expired.<p>So twelve months later you've made say £30 interest and you cut the card up. I don't know how many people did this, versus how many engaged with their product as they'd imagined. I know only two things:<p>1. I had about 50p outstanding balance to pay on my 12 month card, I figured they'd tell me I need to pay 50p within 30 days or whatever and if not they'd charge me extra - nope, they wrote saying "Your balance is negligible, we write off this tiny balance and don't expect to ever hear from you again".<p>2. This offer was never repeated. They did other 0% transfer offers but the "It's just a cheque" idea was never attempted again.