I have a card for which I had a 0% intro period in which I carried a balance of around $10k, until the intro period ended. Then I paid it off in full so that I have a $0 balance - from $10k. I'm sure they were hoping I would pay all that interest - thousands per year in fact. I don't intend to do so. Over 20% interest is not a loan I'm interested in.
Do banks look unfavorably on these balloon payments? Or do they hope that you will use it again and eventually pay some interest, and maybe not care about whether you paid it off? After all you decreased their liability from $10k to $0.