Thanks for your ideas. One thing I've noticed is the fact banks and also financial institutions are aware of the spending practices of consumers while also understand that a lot of people max out and about their real credit cards around the trips. They wisely take advantage of this specific fact and start flooding ones inbox as well as snail-mail box by using hundreds of no-interest APR card offers shortly after the holiday season ends. Knowing that if you're like 98% of American open public, you'll leap at the possible opportunity to consolidate credit debt and switch balances towards 0 interest rate credit cards.