Yes tongkat, that is why I said in my post that this strategy is not for everyone, but the most financially responsible and restrained, who have access to large amounts of credit. Yet some on here still get their knickers in a knot about it. I have even had one drongo accuse me of having $100k credit card debt, which is something I never said that I had. I have $100k+ in credit card available funds, but that does not mean I max out all my credit cards, far from it. You need to have at least as much in available credit as you have in debt, so that you can transfer the amounts to different institutions credit cards when your zero interest balance transfers are about to expire. My current credit card debt is under $40k which in a worst case scenario ( if the banks stop offering cheap balance transfers ) I can easily take care of by using funds from my home loan redraw or selling a small fraction of my stack. So no bid deal really, and nothing for Nervous Nellies on here to get all worked up about.