I was wondering if these types of cards still exist. It seems I get just as much credit card junk mail as ever, but there are never any 0% initial APR with a $0 balance transfer fee. I throw away any offer that says it has a 0% APR but has a balance transfer fee, because the company is being unethical. It is simply lying about the APR. If you transfer a balance onto one of those cards you are paying an instantaneous upfront finance charge. On top of that they charge interest on the balance transfer fee. Outright deceit and fraud is no way to win my business. So I did some searching on the Internet using my favorite search engine Google and found that there are still a very limited number of cards that actually offer a $0 balance transfer fee, and an introductory 0% teaser APR. There seems to be only one bank that still offers them, along with its subsidiary Pulaski Bank. Here is the link: https://creditcards.iberiabank.com/ or http://www.pulaskibank.com/index2.cfm

I read the terms and conditions and they are the most straightforward of any bank credit card I have seen before. The company issues its credit decisions in Arkansas as opposed to South Dakota or Delaware. The latter two states have very crafty usury laws that allow credit card issuers to pretty much charge anything they want. Arkansas has older and more consumer friendly usury laws.

Another place where you can find good deals on credit cards are credit unions. I found one that has a promotion that allows you to lock in a rate of 5.9, 7.9 or 9.9% APR until the balance transfer is paid off. Here is the link: https://www.membersalliance.org/new_promotions.php

That's a good deal at least in the current credit environment. Credit unions tend to be more consumer friendly as well. They don't try to steal from cardholders with slimy practices like double-cycle billing, or universal default rates. In most cases they don't automatically increase your interest rate to the default level if you are a single day, hour, minute, or second late making your payment like the big credit card companies.

There are still some deals out there. If you have decent credit, it is a good time to look at reducing the interest payments on your existing balances. Rates are low if you can get the new cards.