Most of the Indians living in U.S have good to perfect credit scores. They always pay their balance in full. They can easily get the 0% balance transfer options and can use that to save some money . Most of the NRIs have taken Home loans back at home when they were available at 6-7%. The rate of home loans in India is now around 12%. With the dollar rising and rupee falling it is the right time to take some advantage of 0% balance transfer