We get a lot of cards offering 0% on balance transfers for 12-18 months here in the UK. The scam part is the transfer fee. Most people paying off the minimum payment spend the 12 months just paying off the transfer fee. I have £5,000 in CC debt, and its time to transfer again. I pay 2x the minimum payment plus the transfer fee divided by the time period of the offer. The last time i did this i was paying £125 a month. Gets the capital paid off quick which lowers the transfer fee so when i do this agin that fee will be lower. So more of the £125 goes to the capital. You got to play the gane to your advantage 😂