Most companies, when they offer a zero percent interest credit card, fully realize that most people will never even read the full terms of the agreement. They further realize that the terms are written so that a significant number of people who sign up for the card will unknowingly violate one or more of the terms thus giving the company a legal out to nullify the zero interest rate on the credit card.
Even working with companies that promise to lower your interest rates will not necessarily have beneficial results. The companies promise to negotiate a lower interest rate with their credit card company helping them to save money in the long term. But often, these 3rd party companies do no more than the average consumer can do for himself.
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