Thanks for your thoughts. One thing I have noticed is the fact that banks and financial institutions understand the spending behaviors of consumers and understand that most of the people max outside their real credit cards around the vacations. They smartly take advantage of this particular fact and begin flooding your own inbox in addition to snail-mail box by using hundreds of no interest APR credit card offers just after the holiday season closes. Knowing that if you are like 98% of the American general public, you'll soar at the chance to consolidate personal credit card debt and shift balances for 0 annual percentage rates credit cards.