Pay Off Debts Faster with 0 Intro APR Magic

While 0% intro APR cards offer significant benefits, there are potential downsides to consider:

• Post-Promotional Rates: Be aware of the regular APR that kicks in after the introductory period. It's often higher than average, which can quickly negate savings if the balance isn't paid off.
• Fees and Penalties: Late payments can result in losing the 0% APR offer and incurring penalty rates. It's crucial to make timely payments to maintain the promotional rate.
• Overextending Credit: The temptation to spend more due to the lack of interest can lead to increased debt. Stick to your budget and avoid unnecessary purchases.