“ Thanks for your strategies. One thing I have noticed is that banks plus financial institutions understand the spending habits of consumers and also understand that the majority of people max away their own credit cards around the holiday seasons. They sensibly take advantage of this kind of fact and start flooding your inbox plus snail-mail box by using hundreds of no interest APR credit card offers shortly when the holiday season comes to an end. Knowing that if you are like 98 of the American open public, you'll rush at the possiblity to consolidate financial debt and transfer balances towards 0 apr interest rates credit cards. ”