I just saw that the prime rate is at 5.25% that is LOW! Last year it was low and that was at 8.25%. I'm surprised all the 0% offers are going away because with money that is this cheap to get you would think there'd be more of them!
Credit given where credits due, it does seem like normal rates on credit cards aren't too ridiculous now. It seems like most of them are in the 10 to 15% range which seem reasonable to me.
I just would really like to see OUR rates lowered when the prime rate is lowered too!