Of course, sometimes the offer is tempting.
I've got a pretty good offer to transfer balence recently, good as long as I pay off before Jan 1, 2005, then it sky rockets.
I get at least one offer in the mail every week. Before the do not call list I got a phone call or more every week. Annoying ain't it.
BTW, just in case anyone throwing them away unopen, I highly recommend you shred any applicatons preprinted with your name and address. Otherwise, someone might return it with an 'address correction' and it might be months before you find out someone has run up huge debt in your name. I've gotten to the point I shred anything that has more than my name and address on it.
roger

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