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Thanks for your suggestions. One thing I have noticed is that often banks along with financial institutions understand the spending routines of consumers and understand that most of the people max out there their credit cards around the trips. They wisely take advantage of this fact and then start flooding your inbox and also snail-mail box having hundreds of 0 APR card offers shortly when the holiday season closes. Knowing that when you are like 98 of all American public, you'll soar at the chance to consolidate card debt and shift balances towards 0 interest rate credit cards.