If you've ever had credit in your name, there's a good chance that you get credit card offers in the mail regularly. Some charge interest rates so ridiculous that it's amazing they're still in business. Others offer deals that seem too good to be true, such as 0% balance transfers. Zero interest deals do exist, though. In fact, they're pretty common. Credit card companies offer such deals because they provide an incentive for those who already have credit card debt to get one of their cards. But should you take the bait? Here are some points to consider when making that...

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