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Thanks for your ideas. One thing we have noticed is that often banks and financial institutions have in mind the spending behavior of consumers plus understand that a lot of people max out their cards around the trips. They correctly take advantage of that fact and then start flooding a person’s inbox in addition to snail-mail box along with hundreds of no interest APR card offers right after the holiday season concludes. Knowing that if you’re like 98 of the American community, you’ll get at the possiblity to consolidate credit debt and switch balances to 0 apr interest rates credit cards.