If your credit is in good shape, you are probably getting zero percent offers out the wazoo. If you can truly get the money FREE - meaning without incurring a "transaction fee" to use those phoney checks they are always sending you. You can withdraw the money, put it into an interest bearing (DO NOT GAMBLE THIS MONEY IN THE MARKET) account for a little less than the duration of the zero interest period - get the money, pocket the interest and pay off the credit card all for nothing!

Of course, this requires you to be incredibly disciplined.

Check out: http://www.zeropercentoffer.net/