I currently have a Citibank card -- I think a platinum, that offers 6.9% on balance transfers until they are paid off. I also have a Chase card that offers 5.9% on balance transfers until they are paid off but there is a small transaction charge (latest offer was the standard 2%). I didn't get these on the internet, though.
Sometimes if you call your current credit card company they have offers such as this that you may be eligible for if you simply ask.
A few words about my experience with Capital One:
This was the first card I ever paid off "in full." The next month I received a statement and didn't look at it right away because I thought it just said "$0" for my balance. Well, two weeks after the due date I opened it and found that I was charged $6.90 in finance charges on my previous balance -- I immediately sent a check. The next month I received a statement saying I owed $29 for a late payment fee. I thought -- "$29 for a balance of $6.90 that was only two weeks overdue? I'm sure if I call them and explain they will remove the charge. After all, I had this card for years and always paid on time."
So I called. The CSR said she wouldn't/couldn't remove the charge because it was a "valid fee." So I informed her I had no intention of paying $29 as a fee for being two weeks late on $6.90 and to please close my account. She said she would close my account and remove the fee!
So now they not only didn't get the $29, but now they have an unhappy ex-customer telling his story to anyone who will listen. Smart business decision...
