Anytime a bank was being a bitch, I would move my balance to a 0% offer. Banks can be little bitches though. When my wife and I married I was sifting through the bills and accounts and I noticed that she had 2 cards from the same bank. 2 different interest rates. I had to tell the little bitch ass, minimum wage, phone operator that if she does not combine these cards and give me the lowest rate, I was closing the account before she would help me. In short, I got it done and then I moved to a 0% account just to fuck'em.
Bitch ass banks