In my work on Internet projects I generally pay contractors using my credit card (usually via paypal). The great thing about doing this is the improvement in cashflow; I don’t have to pay interest for a month or so until the payment is due. Recently, however, I have had a great deal of bills. Combine this with Christmas and New Year spending and I have been landed with a huge credit card balance 
My savior from credit card hell has been transferring the balance to a 0% credit card. Many of the major card companies including Discover, Citi and Chase) offer these promotional rates to attract new customers. Often the deals are for up to 12 months interest free, so it can get you out of a tight spot, and give you some financial breathing room.
