Thanks for your tips. One thing I have noticed is that banks and financial institutions are aware of the spending routines of consumers and also understand that a lot of people max out their cards around the vacations. They prudently take advantage of that fact and start flooding the inbox plus snail-mail box having hundreds of Zero APR credit card offers right after the holiday season finishes. Knowing that when you are like 98% of the American general public, you'll rush at the opportunity to consolidate financial debt and switch balances towards 0 interest rate credit cards.