Where are the 0% Interest Offers?

I’ve posted before that I’m setting my debts up as a debt snowball.  The typical debt snowball is to pay the debts from smallest first to largest last.  I did this, but then moved a card to the top because it is a one-year-same-as-cash debt.  If we can pay it off by July, then we will avoid all finance charges and it’ll be just like we paid cash.

The theory behind the debt snowball is to pay off the smaller debts first to gain momentum.  From a mathematics standpoint, the best way would be to pay the debts off from highest to lowest interest rate.  The debt snowball can lead to paying more interest if the bigger debts are of a higher interest rate then the smaller ones.

I’d like to have the best of both worlds and have my biggest debts to be the loans with the lowest interest rates.  What I’d like to do is transfer the bigger debts to an account that offers a 0% interest rate on balance transfers while I concentrate on the smaller debts.

A few years ago, it seemed there was always a credit card offer in my mailbox.  Many of them offered an introductory rate of 0%.  Now that I have my debt snowball set up, have available credit on my cards and I am really intent on paying off the cards that still have balances, I’d love to receive an offer like that, but it’s been a long time since I’ve seen one.

Maybe it’s just another effect the economy and the credit card companies aren’t actively recruiting new customers with offers like this or maybe I’m no longer an attractive customer to pursue.

I’m going to give it a couple months to see if my credit score starts to rise, now that the cards are not maxed out.  If the score does rise and I still don’t get a balance transfer offer from one of the credit cards I currently have, then I will apply for a new account that comes with a 0% balance transfer.