text: Thanks for your ideas. One thing we’ve noticed is the fact banks and financial institutions have in mind the spending behavior of consumers while also understand that most people max out and about their credit cards around the holiday seasons. They wisely take advantage of this real fact and start flooding the inbox in addition to snail-mail box having hundreds of APR credit card offers immediately after the holiday season comes to an end. Knowing that for anyone who is like 98% of the American community, you’ll leap at the one opportunity to consolidate personal credit card debt and move balances for 0 rate credit cards.