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Thanks for your tips. One thing we have noticed is that often banks as well as financial institutions know the dimensions and spending patterns of consumers and understand that a lot of people max out and about their real credit cards around the holiday seasons. They correctly take advantage of this fact and then start flooding your inbox as well as snail-mail box along with hundreds of no-interest APR credit cards offers shortly after the holiday season concludes. Knowing that in case you are like 98 of American community, you’ll hop at the possible opportunity to consolidate financial debt and transfer balances to 0 APR credit cards.