Day after day Americans receive countless credit card pitches in their mailboxes. There is hardly anything you can really do about it, other than tear them to shreds and toss them in the trash can. How many credit cards do they really think we need? We are not trying to acquire one for each and every store we shop at.
Anyway, there is one thing we all tend to notice on credit card offers, and that’s ” 0 APR on balance transfers.” This phrase often catches our eye.
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