0% finance thread

On a credit related note- I have a credit card that I pay off every month, so the annual interest rate is not really a concern, however if for some reason I did not pay the balance off it would be- and my rate is stupidly high, 29% or there abouts.

I mentioned this to HSBC who basically said "yeah, problem?"

Anyone got any experience of making HSBC rethink these things, or can recommend a decent card provider with a lower rate of interest?

Balance transfer when you are reaching the end of your 0% term. Tis what I do, granted you are charged maybe 3% on average but you shop for another card and pay 0% interest for the agreed term. Repeat until paid.