Smart consumers use 0 apr credit card offers to lower mininum payments. Americans carrying high credit card balances are no longer automatically viewed by banks and credit card companies as risky. In fact, low interest credit card balance transfers are new shell game played for low credit card rates

Credit cards are now available to Canadians with a wide range of credit scores - from no credit to bad credit to good credit. Unsecured credit cards for Canadians with solid income and good history as well as secured credit cards for Canadians with unverifiable income or poor credit are available.