> Monthly minimum payment will NOT pay down the balance within the time limit of the 0% offer.

Agreed.

> The card's minimum billed monthly payment on the other hand would likely be only 30 or 40 dollars. This is exactly where people get trapped on these deals.

I think you might have intended to write …”where they may get trapped”…

If someone is paying attention they can do another balance transfer near the end of the promotional term.