how to use 0% credit card

kev1744

hi all
ive never had a credit card before as never seen the point in them. but ive now got a 0% card for 23 months. 
can i use it for purchases and not pay anything until the end of the 23 month period? or should i be making the minimum payments each month?
ive got savings in a higher interest account so im confident of my ability to pay it off .

wiseonesomeofthetime

Set up a direct debit for the minimum payments each statement.

If you miss a payment, you will likely find the 0% promotion withdrawn and the balance will attract interest at the standard rate.

kev1744

cheers, that confirms what i thought. for some reason i had got it in my head i didnt have to pay anything for 23 months! 

grumbler

kev1744 said:

hi all
ive never had a credit card before as never seen the point in them. but ive now got a 0% card for 23 months. 
can i use it for purchases and not pay anything until the end of the 23 month period? or should i be making the minimum payments each month?

The latter, but make sure it's 0% on purchases, not balance transfers.