Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

Will I always be able to get a zero-interest credit card?
After looking at the comments, and your replies it seems that your mind is made up: "You will always be able to obtain 0% credit, and nothing bad will ever happen". Credit cards that offer 0% on balance transfers are very rare.  Most have a transfer fee of some kind, which acts like an interest rate.  This is a change that probably happened 10 years ago without much fanfare.  From this you can draw a lesson: what changes will come in the future? This site and others a full of "tales of woe" where people were playing musical chairs with credit, and when the music stopped, there was no chairs in sight.  Job loss, medical expenses, unexpected taxes, natural disasters can all effect one's ability to make payments on time and happen.  Once payments start being missed or are late, things tend to avalanche from there.  It has happened to me, and loved ones. The pain and suffering is not worth it.  Get out of debt. You claim that you are investing the money instead of paying on the debt, and you are making the delta between your prevailing investment rate 7%.  Did you include the balance transfer fee in your calculations?    First off your investments could lose money.  While 2015 was mostly flat, we have not had a correction in a long time.  Some say we are long overdue.   Secondly, how much money are we really talking about here?  Say there is not a balance transfer fee, you could be guaranteed 7%, and you are floating $10K.  Congratulations in this mythical scenario you just made $700. If $700 changes your life dramatically perhaps it is time for a second job.  This way you can earn that every two weeks (working part time) rather than every year.  Now that will really change your life.  By applying this amount of mental energy to make $700, what opportunities are you missing?   Pay off the debt, you will be much better off in the long run.