Before you take advantage of an introductory 0% APR credit card offer, it's important to consider the following: Know your offer. Make sure to read the fine print and understand exactly how long your offer lasts. Also, make sure you understand your new interest rate once the 0% intro APR comes to a screeching halt.   Take debt repayment seriously. Pay down all your debt (or as much debt as you can) before your 0% intro offer runs out. Once it ends, your card's APR will revert to the standard variable rate, which is much higher.  Stop using credit cards. While it can make sense to use a 0% intro APR credit for a large expense if you get zero interest on purchases for a limited time, it's best to avoid using cards for regular purchases unless you have the cash to pay your credit card balance off in full each month. If you let 0% intro APR go to your head, you could wind up with a ton of new debt you didn't plan for.