In poll after poll, Americans claim that they use their tax refunds to pay major bills or to augment their savings. But that belies what they really do, USA Today reports.

Retailers know that come March, April and May, consumers are flush with cash, so much as that it’s know as the “April problem,” said Arkadi Kuhlmann, chief executive officer of ING Direct. In fact, retail sales typically jump between 12% and 20% in those months from February’s levels, according to the Department of Commerce.

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