How about some actual facts & numbers?
Well, a PLoan @ 10% for 24 mos will run you $230 /mo., if you pay the minimums, over the life og the loan you’ll have paid $537 to interest.
If you open a Card @ 0% for 12 months, and pay $230 to it for 12 mos you’ll have paid off $2760 in prin and no interest.
The rate can then adjust up (AS FAR AS) 29.99% but so long as you keep paying $230 / mo, you will pay the card off in 12 mos (24 total) and have only paid $360 in interest (before xfer & annual fees dependant upon your credit).
You have to have the discipline to do this without adding ANY new charges to the card, because that fucks up the balance tiers & where your extra pmts are applied.
Card for the win. AS LONG AS YOU DON’T START OPENING UP NEW CCARDS EVERY 3 MONTHS or something ridiculous, as this will lower your “average age of account” and start effecting your credit scores negatively.