Met a woman on a flight who has $200K in credit card debt and hasn’t paid a single dollar of interest in 5 years.

I thought she was lying. She opened a color coded spreadsheet.
The math checks out.
Here’s what she does:
Gets $200K in 0% APR business cards.
Month 10 before interest kicks in she applies for new 0% cards at different banks.
Transfers the balance. 0% clock resets. Repeat forever.
Total cost per year: around $5,000 in transfer fees.
Normal interest on $200K at 10%: $20,000 a year.
She’s saving $15,000 a year and has been doing it for 5 years.
She told me “banks offer 0% promos betting you’ll forget. I just never forget.”
The banks are not your friends.
They built a trap. She just figured out how to live in it rent free.