How are credit card companies responding to the wall street?

Battered by the mortgage meltdown and a shrinking economy, credit card issuers are aggressively tightening their lending standards. But what exactly are they doing?
1. Sending out fewer card offers. Only people with very good credit are getting offers these days. Got a few blemishes on your credit - you might be out of luck.
2. Fewer 0 percent APR offers. People have been using these offers to pay off their debt, but as more and more people are defaulting it no longer makes sense for banks to offer these kind of terms.
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