Introductory 0% rate
Cards & borrowingA temporary 0% interest rate offered on purchases or balance transfers.
Overview
The 0% period lasts for a fixed time, then standard rates apply.
Missing payments can end the offer early.
Why it matters
- It can reduce borrowing costs in the short term.
- It requires careful planning to repay before the offer ends.
- It can make debt management easier if used well.
FAQs
Does 0% mean no fees?
Not always. Balance transfers often have fees.
What happens after the 0% period?
The standard interest rate applies to remaining balances.
Related terms
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