Introductory is not permanent
A 0% APR offer generally describes a promotional period on qualifying credit. It does not mean permanent free capital, guaranteed approval or a guarantee that the requested limit will be available.
Read the transition point
Before using the account, identify when the promotion ends, which balances qualify, what fees apply and the APR that takes effect afterward.
- Promotion start and end dates
- Balance-transfer or transaction fees
- Annual fee
- Post-promotion APR
- Monthly payoff target
Important: This article is general education, not legal advice, a credit or lending decision, an offer of financing or a promise of any result. Provider terms and state requirements may differ.