credit card surfing - Credit card surfing is a method of managing debts by using various credit cards to maintain a low interest rate. For example lets say credit card A offers a credit card that offers a 0% interest rate for 12 months. The balance is simply transferred to to Company A for the 12 month period and at the end of the period the balance or loan is then transferred to credit card B which is now also offering a 0% for 12 months. At the end of company B's 12 month 0% interest rate period the company is transferred back to credit card which again is offering 0% interest rates to attract customers.