U.S. card issuers are continuing to offer 0% interest rates. Some top issuers are now offering 0% interest rates on purchase and balance transfers through April 2006, according to CardWatch (www.cardwatch.com). However, most of these offers are only available via the mail. Chase is offering 0% on purchases and balance transfers through April 06, on one of its “Platinum MasterCard” products. Chase is also waiving the fee for balance transfers with the offer. Citibank is offering a 0% rate on balance transfers though next April on its “Diamond Preferred MasterCard.” However, the 0% rate will expire in January 2006 unless you charge at least $100 in the first three months of the issuance, and “do not default under any card agreement.” Bank One’s (now Chase) “Reader’s Digest Platinum MasterCard’ is also offering a 0% rate on balance transfers and new purchases through next April. Other major issuers, such as Providian and U.S. Bank, also have 0% offers running into 2006, according to CardWatch ([www.cardwatch.com]).