easy money data point: i carefully shop cheap cash advance rates. it’s been a few years since ive seen true 0% cash advances. i get offers for 0%, but with a 3-4% transaction fee. today i got one for 0% interest and 1% transaction fee. also, 21 months interest free charges on the card. money is definitely still easy and getting much cheaper to come by. the credit card companies evidently think it’s time to start loading people up on debt. I will definitely leave the max on the 21 month cardand pay the min.
