Surf's Up for Cardholders

For most of us, it's easiest to just toss out those flashy solicitations that fill our mailboxes with promises to transfer our balances to new low-interest-rate credit card accounts.

An enterprising few, however, have found a benefit from these colorful mailings by using the offers as investment tools.

These consumers accept the low-interest-rate debt that credit card companies offer to entice new customers, but they avoid getting smacked with the more onerous rates that come once the lower promotional rates expire. ...