pnc and chase and I believe all banks are doing away with points on debit accounts in the next couple months.
I know that any interest is a bad idea, but I'm already paying interest so it would be hard to be worse off. A 0% intro rate seems pretty standard any more, and my point was that once that is over with, moving into an interest rate that is somewhere around 7% would be acceptable to me. If it jumps up to say 17% then I wouldn't consider it. Also, I'm paying down my credit card now as it is and in a few weeks I'm putting up for sale my jeep that I have a loan on. I already have something in place to replace it that I paid for in cash, which means the $350 a month I was spending on it will also go into paying down my debt. I'm expecting to be debt free with the exception of the mortgage in under a year, which is also why 0% for a year would be nice. After that, I would be paying it off every month so interest shouldn't really matter, but I'd rather the rate not be insane because you never know.