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Advantages of a 0% interest credit card
No interest for a fixed time
Interest-free purchases and/or debt transfers are available for most people from six to eighteen months on most credit cards.
Improve your credit score
These credit cards will not damage your credit as long as you pay them back on time, but they may provide extra money in your budget to pay down bills, improving your credit ratings.
Ideal for major purchases
A 0% APR credit card is an excellent alternative if you want to make a major purchase but need some time to pay it off. You may maintain a balance and spread out repayments with no interest costs for a short period.
Beneficial for reducing high-interest debt
Beneficial for reducing high-interest debt If you have high-interest credit card debt, you may move it to a card with a 0% introductory APR on balance transfers. This helps you to make quicker progress toward debt reduction.
The disadvantages of a credit card with no interest
Despite their apparent benefits, 0% APR credit cards have several drawbacks that you should be aware of before applying:
The APR does not last indefinitely
It’s withdrawn when your 0% introductory period finishes, so enjoy it while you can. This normal rate may be low, so be cautious about carrying a balance if you’re reaching the end of your introductory period.
Balance transfers aren’t always available.
Almost every 0% APR offer is for new purchases made with the card.
You will still be charged a balance transfer fee.
Even if you locate a card with a 0% introductory offer on balance transfers, you will almost always have to pay a balance transfer fee.
It is possible to lose it as a result of poor conduct.
If you make a late payment, the disclosures state that the card issuer has the authority to terminate the introductory period.
A 0% APR deal may save you money during the promotional time, but consider the larger picture before taking up a new credit card or loan. It is not a gift. You’ll still have to return the debt, and if you don’t pay off the loan before the end of the promotional time, you may have to pay interest.