Just read the notice of the 3% fee for credit card transfers, etc. Though I dont use that feature I am dismayed that banks everywhere feel comfortable adding or raising fees but NOT to raise interest rates on various savings or checking accounts. Makes me wonder if under the mattress might not be so bad afterall.
I don't think anyone should ever use those services unless they have no other choice--and can pay the entire balance ASAP. It just invites financial trouble. Would never use it to consolidate debt from different cards--like many banks encourage everyone to do.