0%

I love when I receive a 0% credit card promotion in the mail. Somehow it feels like I am being offered money. Each one I receive I save, until another one arrives. I keep waiting for the best possible offer so I can sign up and continue using cards with 0% interest. The funny thing is that I always pay my cards off every month in full, but I love to have the option to partial pay with no penalty. The last card I had was 0% for 15 months, which will end in January 2014. I have been searching for the next offer and yesterday it finally arrived in the mail. It was for 0% for 21 months! I called the application number to open my new Citi Card. The card I have now is also a Citi Card. When I opened that one, they gave me an unusually high credit limit. When I applied for the new card they said the new limit would be lower since I had a high one on the other. Since I plan on canceling the old one when when I get the new one, I asked if they could transfer the credit limit from one to another. They said they could. So now I am locked in to 0% until July 2015. For some reason that make me feel wonderful.