Many people ask us how to use 0% APR credit cards. The most effective way involves a couple of steps.
First, you must make at least the minimum payment that’s due on your credit card statement every month. If you fail to do this, the bank can cancel the 0% offer on the card. Your next monthly payment will be at the regular interest rate.
Secondly, you must pay off the entire balance before the introductory period ends. It’s crucial to know when your introductory period ends: it may not end on a billing cycle’s due date. If you miss the deadline, you’ll pay the regular interest rate on the remainder of your debt.