“ Thanks for your tips. One thing I've noticed is that banks along with financial institutions are aware of the spending habits of consumers and as well understand that most of the people max out their real credit cards around the vacations. They sensibly take advantage of that fact and commence flooding the inbox as well as snail-mail box along with hundreds of no-interest APR card offers soon after the holiday season ends. Knowing that in case you are like 98 of the American community, you'll leap at the one opportunity to consolidate credit debt and transfer balances for 0 apr interest rates credit cards. ”