Why am I still getting cheap balance transfer offers?

[Independent]

In other news -

I got my quarterly credit union statement today. The enclosed flyer is promoting "rolling" your car loan to the CU. They are even offering cash - $100 if your loan is over $10,000 and $50 if your loan is over $5,000.

It looks like my little CU isn't caught in the credit crunch.

 

[Zoocat]

A couple of weeks ago the bank that holds my mortgage called me to offer an equity line of credit at an attractive rate, locked in for a while. The guy said it would be a good time to get it lined up even if I didn't need it right now. I suppose they have some very lucrative fees attached to it. Luckily I don't need it and happily turned it down.

Bankers are evil.