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Thanks for your tips. One thing I have noticed is that often banks along with financial institutions understand the spending behavior of consumers as well as understand that most people max away their real credit cards around the vacations. They wisely take advantage of this fact and commence flooding the inbox in addition to snail-mail box by using hundreds of no-interest APR credit card offers just after the holiday season finishes. Knowing that in case you are like 98% in the American general public, you’ll hop at the possible opportunity to consolidate credit debt and shift balances for 0 interest rates credit cards.
  
  

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