If you're very loyal to that particular retailer, it makes it easier to handle returns and so on,

In the short-term, you're probably not going to see much of a change.

If you're looking to transfer a $5,000 balance, you need to look to the largest issuers.

They'll only be limited by what the market can bear.

Don't be swayed by bells and whistles, like reward programs or miles. A lot of consumers are drawn to these, but if you carry a balance, the interest rate may not be worth it.

It just makes real good sense to carry more than one credit card.

There's been a fee frenzy, ... (A wide range of charges) have been beefed up.

Young consumers are probably best served if they can get a major bank card early on

That's where the consumer can take advantage of the low interest-rate environment.

The bottom line is these offers are a marketing gimmick. If you get an offer in the mail, it's important to read the disclosure box very carefully.