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Thanks for your tips. One thing I’ve got noticed is banks as well as financial institutions know the spending behaviors of consumers plus understand that a lot of people max out there their own credit cards around the getaways. They wisely take advantage of this kind of fact and begin flooding your inbox as well as snail-mail box with hundreds of Zero APR credit cards offers soon after the holiday season ends. Knowing that when you are like 98 of all American public, you’ll leap at the possible opportunity to consolidate card debt and shift balances towards 0 rate credit cards.