From the Financial Times today:
Card charges rise in spite of low rates
card providers have continued to raise charges in spite of historically
low interest rates …
"In the past year the cost of borrowing money on plastic has risen from 16.8 to 17.7 per cent.
the same period the prevalence of cards offering 0 per cent
introductory balance transfer deals fell, while the rate charged on
cash advances increased from 2.62 to 2.73 per cent, said banking
analysts at Defaqto."