Traditionally speaking, most balance transfer credit card companies offer zero percent to potential customers with excellent credit. The offer term is normally one year. Offers should be used when the consumer is looking to purchase large ticket items such as furniture for a new house, holiday items, or automobile purchases. New furniture is a large expense, and paying off thousands of dollars over one year with zero percent interest is much more affordable.
If you have a large amount of debt, a balance transfer credit card can provide the relief that you need, but it can be used for other things as well. Using a balance transfer credit card to make large purchases can help alleviate the burden of spending such a large amount of money at one time.