With credit-card debt going through the roof and offers of new cards coming every week, many people have adopted a risky practice known as "rolling over" or "flipping." They routinely transfer their debt to a new card offering a temporary low interest rate. When the introductory period expires, they "flip" their debt to a new card. The danger, according to one analyst, is getting into a mode "where you move your debt around rather than paying it down. It's a lot easier to switch credit cards than to tackle your debt."