The Truth About This Type of Credit Card Plan
Promotional deferred-interest credit card plans may seem like a good idea, but they can quickly backfire. With these plans, you are often given six or twelve month interest-free to pay your balance. But if you are unable to pay the entire balance at the end of the promotional period, or you are late with a payment at any time, you will most likely have interest charged retroactively. This means that you will pay interest all the way back to the beginning of the promotional period. A better plan is to save up and buy outright what you need right from the beginning.
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