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Simply put, a credit card with a 0% APR does not charge interest. You read it right, no interest. Credit card companies generally offer a 0% introductory APR for purchases or balance transfers, or even both, allowing you to transfer a debt from a high-interest card or make a major purchase and pay it off over a set period of time without paying interest. This can help you pay off debt without facing further interest charges.
Typically, a 0% APR represents an introductory rate. This means you don’t have to pay interest on purchases or balance transfers for a set number of months after opening the account. Some cards limit the offer to purchases or balance transfers alone, but others allow 0% APR on both. Some providers will even provide a few months on one and an additional few months on the other, so it is important to read the card details carefully.
But, there may be limitations to 0% APR credit cards. For example, a card could offer 12 months of no interest, but only on balance transfers performed during the first 60 days. Additionally, even if you are not being charged interest, you may be required to pay a balance transfer fee. Before transferring money, read the fine print because the terms associated with each card may differ.
Also, keep in mind that if you miss a payment or are late, there may be a penalty, such as a higher APR, so make sure you complete your payments on time. Also, if you have a balance on your account when the promotional 0% APR term expires, you will be charged the normal APR rate on that amount, so make sure you pay off or at least reduce your balance before the introductory period ends.
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This website does not constitute an offer or solicitation to lend. Annual Percentage Rates (APR), Introductory Rates (Intro), terms, interest rates, amounts, and fee(s) are provided by Trust Tech LLC/ DBA HelloRates.com lending partners. HelloRates.com (the operator of this website) is a technology company not a lender, does not accept applications for credit, does not make loans, and does not make credit decisions. your information on this website does not guarantee that a lending partner will be able to be located to meet your needs or that you will be approved for a loan. The lending partner may perform a credit check or otherwise verify the information you provide. Not all lending providers offer loans up to the advertised amount and not all lending providers can provide you with the loan amount you requested. Loan amounts are determined by the lending partner based on individual creditworthiness. All financial terms of the loan, including annual percentage rate (APR”), fees, charges, and repayment period will be provided to you by the lending partner and may vary by lending partner, state, and your individual creditworthiness. You are NOT required to accept the terms of the loan that a lending partner offers you. If you don’t agree with or don’t like the terms of the loan offered by the lending partner, do not electronically sign the loan documents. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only.
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