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Thanks for your thoughts. One thing I’ve got noticed is the fact that banks and also financial institutions know the spending behavior of consumers as well as understand that most people max out there their credit cards around the holidays. They prudently take advantage of that fact and commence flooding a person’s inbox as well as snail-mail box by using hundreds of Zero APR card offers shortly when the holiday season concludes. Knowing that in case you are like 98% in the American community, you’ll soar at the possiblity to consolidate consumer credit card debt and transfer balances for 0 apr interest rates credit cards.