[Excaliber]

I can see the delima with the new bill taking effect and the rates sky rocketing just prior to that. I think it's a good call in the long run, but the immediate impact on low or no wage earners relying on credit is a serious downside.

What I have noticed in the past year or so on my cards is that the "easy money" has disappeared. I used to get multiple offers of 0% for a year or more, NO upfront fee's. A few years ago I borrowed $50,000 (not a typo, thats 50K) at 0%, for a year, with no fees! I actually invested it and did well, then paid the loan off when the year was up. I haven't seen offers like that for awhile. 2.9% for 6 months, maybe a year WITH a huge upfront fee is about the best you can get these days. So far I haven't seen any of my rates change. BUT, a few cards were cancelled for "non use", which was unexpected by me, but not surprising.

6 months at 0%? Heck that's great, even at 29% potential, provided you pay it off on time!