要是MM有存款的话，可以存起来吃利息或者短期投资，先透着0 APR用上一段时间，每个月付个MINIMUM PAYMENT，快到期了再取钱还上

这只是我的想法，要是说错了，别

四面体,我把这有纪念意义的6996贴留在你的帖子里了,好么?

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. 

lz mm设个auto pay就行了~~~