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Understanding 0% APR Credit Cards: Key Considerations Before Applying

A 0% APR credit card can be a strategic tool for managing debt or funding a significant purchase without incurring interest. These cards offer a grace period—ranging from six months up to nearly two years—during which no interest is charged on purchases and/or balance transfers. It’s essential to note that once this introductory phase concludes, the card’s standard APR will take effect, and interest will begin to accrue on any remaining balances. However, it’s vital to scrutinize the details of 0% APR offers, as they are

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