Imagine that credit card holders are paying off their balances and getting their debt under control. This is great news and as of the 2nd quarter the average credit card balance has dropped below $5000.

The delinquency rate has also dropped and only 1% of the population is behind on their credit card payments.

This is a sign not only that people are wanting to pay down their debt, due to unemployment and other economic factors.

It also shows most people are carrying fewer credit cards and are carrying much lower balances. Maybe some of the balance transfer credit card offers are starting to help those who had high balances get their credit card debt paid down quicker with lower interest.

Below are a couple of the very best 0% interest, cash back credit cards. To learn more just click on the links.

Discover® More Card

Discover® More Card - $75 Cashback Bonus