There are a lot of CC issuers offering 0% intro BT and 0% intro puchases.....and many others offering low apr.
Discover gave me 0% till 4/2010
Alliant Credit Union offered 5.99 BT and no BT fee
PenFed offers 2.99 and fee cap of max $100
CapOne offered various low APR and intro 0% and no BT fee
BoA offered me for past 3 months on my Visa 0% BT till November 2009 (from first offer about 10 months)
BoA now offers me 3.99 BT till November 2009
My Citi card jumped to 19.99% for no reason whatsoever. Well, maybe it's because they're on the verge of collasing or something...
Anyway, I called them up and asked them to lower it and they did. In fact, they changed it to an even lower APR than I started with! I went from 13.99% to 19.99% to 10.99%.
I called Chase up for a reduction, but they were only willing to from 23.99% to 21.99%. I guess I'll keep a zero balance on that one.
Capital One denied me a APR decrease outright. Also keeping a zero balance.
My FICO's are mid to high 600's, and my last late was over 4 years ago.
Hope that helps!