I am looking on several message boards for the answer to this question. I would like to know in your experience what the credit card companies are looking for in a debtor in order to make balance transfer offers? We just don't get balance transfer offers. Are the companies looking for unused credit cards? Are they looking at percentages of balances to available credit? what? As of mid August all 18K ( gross income 45K) of our CC debt will be at a 9.9% interest rate. We have an excellent credit history as in no late pays, we just have a LOT of det. Getting the 9.9% is great I know but I want those balance transfer rates of 7.9, 5.9 or better. What do we need to do in order to get them?