Well, I got a pretty enticing offer in the mail today. Continental Airlines sent me a letter today selling me a credit card (again), but this time it actually caught my eye. They're offering me 20,000 miles for signing up as well as 0% apr for six months. The only caveat is that there's an annual fee. Does anybody know if they charge this at the beginning of the year or the end of the year? Basically I'm hoping to get my miles and low introductory rate and then cancel before the year is up, assuming they tack on the annual fee at the end of the year. Also, before anybody starts going on a diatribe about "spending money I don't have," and "debt, rah rah rah," please be aware of the fact that I DO have the money, it's just locked into a CD until june and certain situations have sprung up causing me to have to spend that money now.