I constantly scan my credit card advance checks looking to borrow more money at a good price and stash it into a savings account. The offers I receive now are much worse than a year ago. I was receiving offers for 0% interest with a transaction fee cap of $75 to borrow $20k, now the offers are for 4% with a non-capped 3% transaction fee which is totally not worth it. Looks like the banks are trying to make back their subprime money in any little way they can.