My sister has just signed up for a new credit card with a major bank and they are offering 0% apr credit for the first six months.  She has decided to consolidate all her credit card bills and pay them off in the time frame offered by the loaner.  I told her that I would be interested in getting the information because I have several bills that I need to pay off also.  She is going to get the number for me and let me know who to contact.  This is a good way to save some money if you can pay off the credit card within the allotted time.