The devil is in the details, which may ultimately determine who is right. Pay off your debts during the promotional period, however, and its likely going to be a draw.
Obviously, its hard to beat a 0% deal, but if you are getting that rate on a balance transfer or using a courtesy check issued by your card vendor, there can be fees attached. A 2% balance-transfer fee is roughly the same as paying two points on your money; know your costs, because its not free if youre paying fees.
Also be aware…

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