[ThePythonicCow]

I get credit card solicitations weekly for "no annual fee,

Aha - that was the key to my confusion. No annual fee. That is common, along with zero interest. Where they get the money, for sure, in those cases, is in charging you an initial fee, of perhaps 3% of the credit advance.

So when I said I had not seen "zero interest, zero fee" I mean t I had not seen "zero interest, zero initial advance percentage fee."

Thanks for qualifying annual in your mention of fees, above.

[Lizavetta]

Okay, you may be right.

I don't know what the credit advance fee is because I would never advance cash.....that's asking for a financial spanking.

Using a zero fee, zero interest card UNDER THOSE TERMS is a win-win deal, provided you pay attention to when all the zero stuff runs out.