Some balance transfer offers come with deferred interest - where interest accrues from day one but is only charged if balances remain after the 0% period. Avoid deferred interest traps with these tips: Review terms carefully to understand interest policies. Make a plan to pay off the entire transferred amount within the intro period. Try not to use the card for purchases to avoid adding to balances. Pay at least the monthly minimum payment by the due date. Set up autopay from your bank account to avoid lapses. Contact the issuer if you anticipate missing payments to discuss options. As long as you pay off the balance transfer amount in full within the 0% intro timeframe, you can avoid deferred interest fees.