What a 0% APR Offer Really Costs You When the Promo Period Ends

A $1,200 balance triggered a $312 charge in one billing cycle. Here's how deferred interest clauses turn 0% APR offers into costly debt traps—and what to do instead.

A $1,200 balance triggered a $312 charge in one billing cycle. Here's how deferred interest clauses turn 0% APR offers into costly debt traps—and what to do instead.