Many of us receive offers in the mail every week to open up new credit card accounts. Sometimes these offers come with a bonus for signing up for a new account. Often this bonus is a preferable interest rate (potentially even a 0% rate) for any existing credit card balances that you transfer into the new account. For credit cards that have a rewards program, a common sign-up bonus is to award a fixed number of miles or points for opening a new account. The prospect of a low or 0% interest rate (or getting thousands of points or miles...

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