As time has gone on, at least in my life, absolutely anything and everything you can think of offers options. I guess it's because there are so many people and they are living longer, we have ended up with so many businesses. This goes for banks and credit card companies as well. It used to be easy to decide if which company to go with, but not today. I want to do a balance transfer with a credit card I have and with all the small print, it is not easy to figure out which company will save me money and which one will cost me more.