HML using credit cards? Do or don't?

[Steven J.]

Over many of the posts and podcast I've listened to some have talked about the benefits of credit cards at 0% because they are cheaper hard money. Some of you have our opinions on it one way or the other, I understand. 

My question is whether I should be a hard money lender using my 0% credit cards as the loan source. Obviously, I'm not dealing with big numbers nor long term lending condition but I could easily cover some of the repair costs on a current rehab. 

For example, I could loan 10k doing a balance transfer. I've got 0% interest for a year on all balance transfers. After making the transfer I collect the interest only payments on the borrowed money at whatever rate we negotiate. 9 months out is a balloon for the remainder of the loan. What would I do to protect myself? Get a lien or UCC on the property? Or is it too risky?