Dec '25 • General discussion
DAY 19 – Using 0% APR the Smart Way
0% APR can help you — or bury you.
It works only if you:
• Move a balance
• Stop using the card
• Pay down aggressively
The 0% period is temporary — your discipline isn’t.
Use 0% to eliminate debt, not create new debt.
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DAY 19 – Using 0% APR the Smart Way
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