US credit cards do it. It’s a temporary offer to get usage or trap you 🤷‍♂️. But I just deploy it from a positive net worth position so it’s easily paid in full at the end of the low percentage period. Each card may be 30-40k but they add up. Mind you, they all started at 2-3k but over the years they end up high limit with responsible usage and asking for a bump in limit every 6 months without letting them do a new credit pull. Always keep your credit frozen.