NEW YORK ( LowCards.com) -- Last month it was holiday cards clogging your mailbox. Don't be surprised if credit card offers are replacing them.January is the busiest month for credit card applications. Issuers will flood consumers with offers, especially for cash-back cards. Credit card issuers want your business, and they are competing for every customer, even trying to lure customers away from each other. Good deals are available, but it is important to compare offers to find the lowest rate and best rewards for you.