I just told my credit card company that I keep getting offers for 0% for the next year and balance transfers for 2.9% until paid off in full. I asked them what they could do to match that as I have been with them for a long time. They gave me that offer and was psyched. They tried to get me to do a loan and said no-way. I want you to match that offer and they did. Try it and be firm in what you want.