There are a few key things to do in order to make the most of the promotional offer. Plan ahead: Once you have your new card you need to be clear on what purchases you want to make, accurately budget how much you can spend and repay each month, and make every effort to clear the balance within the introductory period. Stay up to date: It is really important to keep up monthly payments, always paying more than the minimum required payment on your statement before the due date. Late or missed payments can result in penalties, even invalidating the offer that attracted you in the first place. Be disciplined: You need to be disciplined with your finances, avoid over spending and stay within your budget. You should also avoid using your card for cash advances and other transactions that attract high rates of interest as these higher rates will usually be high enough to negate any savings made.