An introductory APR is a limited-time 0% interest rate that credit card issuers offer to attract new cardholders. The introductory rate may apply to balance transfers, new purchases or both – and ...

Dear Let's Talk Credit, I have a credit card that had a 0% introductory interest rate for 12 months. If at the end of the 12 months I still have a balance, how do they charge interest? Is it on the ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Thomas J. Brock is a CFA and CPA with more than 20 years of experience in various areas ...