You see all the ads for 0 APR credit cards all around you today. However, are they for real? The truth is yes, they are for real, however, this special 0% APR does not last. You can find all kinds of credit card companies offering a 0 APR credit card for people with excellent credit. Many credit card companies are now offering 0 APR credit cards as part of their incentive program to get you to apply and begin using their credit card for all their purchases. However, there are downsides to some of these offers.
Although they are advertising a 0 APR credit card, the 0 percent APR is not for the entire time that you are a cardholder. You will have to pay close attention to learn how many months they are offering this special 0% APR, you can find them for 3 months, 6 months, 9 months, 12 months and if you are lucky for 15 months. However, now you must check if the offer also includes all new purchases and balance transfers. One company may offer 0% only on balance transfers. If you are using one of these 0 APR credit cards, you will find that you will have to pay the normal interest rate for all new purchases and all money that you pay monthly will be for paying off the...
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