i used a few times so that I have more cash on hand to do other things. forgot once to pay minimum, then all kinds of mess. i spend totally probably 30-40 hours on the phone with the credit card company to negociate down the late pay fee and interest charge.

Am I going to do it again? unless i am really tight in cash, probably not. it is so easy to forget to pay or pay late, and then they started to charge you interest, and you do not even notice it until you go to the last page of the statement. then a few month interests charge build up, it is so hard to get rid of it. I did successfully, but I don't think it worth the time and energy to do it again. I sharpened my negociation skill with them tho. that's the plus.