Think you will be needing a 0% balance transfer offer from a credit card anytime soon? With credit drying up so very quickly in the United States, these offers might disappear before your very eyes. I am a big believer in using 0% transfers to help get out of debt, if you can use credit responsibly. So if you have wanted to get in on the 0% balance transfer game (either to pay off other debt or to do some arbitrage), now is probably the time to try to get one. I just applied for one from my own Citi card to pay off my last giant medical bill and it went through, so I am guessing some banks are still lending money!