Thanks for your ideas. One thing I've got noticed is always that banks and financial institutions understand the spending behavior of consumers and as well understand that plenty of people max away their own credit cards around the holidays. They prudently take advantage of this fact and commence flooding your own inbox and also snail-mail box by using hundreds of Zero APR card offers just after the holiday season closes. Knowing that if you're like 98% of American community, you'll rush at the one opportunity to consolidate consumer credit card debt and switch balances for 0 APR credit cards.