With the competitive environment in the credit card industry, it is quite easy to get 0 interest credit cards nowadays. Basically, all you have to do is ask. When you have used your credit card regularly already and have been making regular payments as well, call up your credit card company’s hotline and inquire if they are able to lower or give you zero interest. Mention the competitor credit card issuers that are giving the same deals as of the time you are calling. Obviously, you have to do give concrete examples when you do this so get to know the deals and rates of the other companies before you call.