Thanks for your ideas. One thing I've noticed is the fact banks and also financial institutions know the dimensions and spending habits of consumers while also understand that many people max out there their real credit cards around the vacations. They smartly take advantage of this specific fact and then start flooding ones inbox plus snail-mail box using hundreds of Zero APR credit cards offers immediately after the holiday season finishes. Knowing that in case you are like 98% of American general public, you'll rush at the possible opportunity to consolidate credit debt and shift balances towards 0 rate credit cards.