Thanks for your ideas. One thing I have noticed is the fact banks and financial institutions really know the spending habits of consumers and understand that a lot of people max outside their credit cards around the breaks. They correctly take advantage of that fact and then start flooding your own inbox and also snail-mail box with hundreds of no-interest APR card offers soon after the holiday season comes to an end. Knowing that if you are like 98% of the American open public, you'll jump at the one opportunity to consolidate personal credit card debt and transfer balances towards 0 rate credit cards.