hello, we're thinking of taking out a small home equity loan to finance
some landscape work for our house this year. however, i just received
a few checks from discover that claims to offer free interest til apr
05. they would continue the free interest offer after apr 05 so long
as you charge at least $50/mo on the credit card. there is a 3% (up to
max $50) up front charge but that seems nominal if you plan to borrow
several thousand. anyone using this offer or had any thoughts on the
matter?

thanks