There are and I've been to them but I can't think of them at the moment! Sorry! OOhhh, wait, as a consolation prize, I'll tell you the Zephyr.prime Super Credit Card Trick!!! Here's how it works. Get 3~4 credit cards that are known to offer lots of balance transfer opportunities like Bank1 or FirstUSA or Citibank but not Discover which sucks. Now, keep your charges on one card. Eventually, you'll get a offer for a balance transfer from one of the other cards and the offer is often really good! In this way, you can keep rotating your balance around to get great rates. Now for a PSA: credit cards should only be used responsibly.