Thanks for your tips. One thing really noticed is always that banks and financial institutions are aware of the spending behaviors of consumers and understand that a lot of people max out and about their credit cards around the holidays. They sensibly take advantage of this real fact and begin flooding ones inbox plus snail-mail box with hundreds of no interest APR credit card offers immediately after the holiday season concludes. Knowing that if you are like 98% of the American open public, you'll leap at the opportunity to consolidate personal credit card debt and switch balances towards 0 annual percentage rates credit cards.