Please read the fine print very carefully. I've also received these offers, but the ones I get are not "loans" per se; they are cash advances on the credit card. The interest rate is 0% for a certain period of time and as long as you pay the entire balance by that date, you don't pay any interest at all. The credit card companies make money because a lot of people find that life gets in the way - an expensive auto repair or a medical issue puts the debt payments on the back burner, they can't pay the balance due within the time frame, and the interest on the original loan amount (not the current balance) is backdated to day 1 and tacked on to whatever the remaining balance is.
Last edited by Peckish; 11-02-2023 at 07:56 PM.