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  4. Thanks for your suggestions. One thing we’ve noticed is the fact that banks along with financial institutions have in mind the spending patterns of consumers and as well understand that most of the people max outside their real credit cards around the holiday seasons. They properly take advantage of this particular fact and commence flooding your inbox in addition to snail-mail box by using hundreds of APR credit cards offers shortly when the holiday season ends. Knowing that if you are like 98% of the American open public, you’ll hop at the possible opportunity to consolidate credit debt and transfer balances for 0 annual percentage rates credit cards.

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