I'm going to start charging my card for all my expenses. Basically the plan is to keep as much money in my IB account as possible so I can have more money available to put to productive use and IB pays good interest on cash balances over 10k. I have two cards, and it seems there is a permanent offer of 0% apr on transfers. So I'm thinking I can use one card to charge everything then when the bill comes I can transfer the balance to the other card. Then charge more on the other card and when the bill comes, transfer again. That way I pay no interest. Seems to good to be true. Is there a catch to this? What are some other good strategies to lower CC interest and finance charges? These CC companies basically create money out of thin air with no backing whatsoever, so there's no way I'm paying the 15% apr + finance charges on carryfoward balances.