My credit card company offered me no interest money for two years today. Had I taken them up on the offer the bank would've had a loan with no collateral. Whatever I purchased with the money might have been consumed or greatly depreciated by the time the second year arrived. I thanked them for the offer but said "I am fine." After I hung up it seemed like cheap, even no cost credit might be an ill sign.
PEU Report/State of the Division