Back in the heydays of easy credit, anyone with decent credit could apply for a credit card online, and moments later, have a balance transfer of $5,000-10,000 heading their way.

Back in the heyday of easy credit, some savvy consumers found a way to make money on credit cards-instead of the other way around.

Whether you carry a Visa, MasterCard, Discover, or American Express credit card, chances are that your existing credit cards have a balance transfer offer available—even though you haven’t received an offer in the mail.

When it comes to making credit card transfers, it’s important to have as many options available as possible.

Some credit card issuers regularly mail out convenience checks to cardholders.