Credit card issuers have returned to the market with aggressive balance transfer deals and introductory low rate deals.At the same time, Australian Prudential Regulation Authority figures show that, while consumers are still happy to use credit cards for payments, they are reducing their balances.Comparison site Mozo reports that American Express, Coles, National Australia Bank and Virgin are among the issuers that made new card offers over the past month.NAB has joined Citibank in offering a zero balance transfer for 24 months - the longest period on offer for such a deal.The 24-month offer is available on NAB's Low Rate Card (previously zero for 12 months) Premium Card (previously 15 months). Customers with Premium Cards also pay no interest on purchases for 15 months.Coles introduced a zero purchase rate for 15 months on all three of its cards.American Express changed its 0.99 per cent balance transfer offer from six months to 12 months on all its cards (Amex charges a one per cent balance transfer handling fee).Virgin Money has changed the balance transfer offer on its No Annual Fee Card from 0.9 per cent for 15 months to zero for 18 months.According to APRA, banks' credit card balances fell by 1.1 per cent in the three months to September.RBA figures show that balances accruing interest on credit cards are at their lowest level since 2009. Consumers made 185.9 million purchases worth A$24.4 billion on credit and charge cards in August. Credit card spending (by value) grew by 9.1 per cent over the 12 months to August.