Just to give you a perspective on the Credit Card Industry. They need to keep an average credit score in their portfolio so they are happy to lose money on the 0% because your credit score allows them to issue lots more credit cards at 20% interest rates to marginal credit people while keeping an overall average rate that can be packaged and collateralized in scecondary markets. Additionally, if you use the credit card they are able to collect fees from the vendors you pay. In many ways it is win win for those who are responsible with their credit.
