Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Can I negotiate a 0% transaction fee with my credit card company?
TL;DR summary: 0% balance transfer offers and "free checks usable anywhere"   rarely are a good deal for the customer. 0% rate balance transfer offers (and the checks usable anywhere including payment of taxes) come with a transaction fee because the credit card company is paying off the balance on the other card (or the tax or the electric bill) in the full amount of $X as stated on the other card statement or on the tax/electric bill). This is in contrast to a purchase transaction where if you buy something for $X, you pay the card company $X but the card company pays the merchant something less than $X$. (Of course, the merchant has jacked up the sale price of the item to pass on the charge to you.) Can you get the credit card company to waive the transaction fee? You can try asking them but it is unlikely that you will succeed if your credit score is good! I have seen balance transfer offers with no transaction fees made to people who have don't have good credit scores and are used to carrying a balance  on their credit cards. I assume that the company making the offer knows that it will make up the transaction fee from future interest payments. A few other points to keep in mind with respect to using a 0% balance transfer offer to pay off a student loan (or anything else for that matter):