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Thanks for your thoughts. One thing I have noticed is the fact that banks plus financial institutions really know the spending behaviors of consumers and also understand that plenty of people max outside their cards around the holiday seasons. They sensibly take advantage of this kind of fact and begin flooding your current inbox plus snail-mail box using hundreds of Zero APR card offers shortly after the holiday season comes to an end. Knowing that when you are like 98 in the American community, you'll hop at the chance to consolidate credit debt and move balances to 0 interest rates credit cards.