Anyone who has opened their mailbox lately knows that there are lots of 0% credit card offers floating around out there. For those consumers staggering under seemingly endless high interest credit card debt, those 0% intro rates can look pretty attractive, and those who know how to pay the 0% game can use those offers to pay off their bills more quickly and save lots of money.

The key to winning at the 0% game, however, is to pay careful attention to the terms and conditions of that seemingly great offer. That is because those 0% introductory rates are just that