I have received credit card offers for 0% balance transfers and cash advances with no transaction fee for months now . The average time span for these offers are approximately 10 months. I have taken advantage of this opportunity ( free money). Just for an example you can borrow $100,000.00 place it in a savings account (american express membership banking is paying 3.25%) and make $2,700.00 in interest and pay all the cards off in May of 2003. No risk, why is this so ? I'm not an expert on economics but something is afoot! Any ideas ?