Thanks for your thoughts. One thing I've noticed is that banks as well as financial institutions know the dimensions and spending practices of consumers and as well understand that many people max away their credit cards around the breaks. They wisely take advantage of that fact and start flooding the inbox and snail-mail box using hundreds of no-interest APR credit cards offers soon after the holiday season closes. Knowing that when you are like 98% in the American community, you'll rush at the possiblity to consolidate credit debt and switch balances towards 0 annual percentage rates credit cards.