Before you start charging everything to your new 0% interest rate credit card, make sure you know exactly what the 0% interest rate applies to. By reading the fine print of your contract, you may find out that the 0% interest rate only applies to balance transfers. This would mean that everything you charge to the card regularly may rack up a lot of interest if you don't pay it off during the grace period. Cash advances usually aren't covered by the 0% interest rate introductory offer either. If you have any questions about the details of your contract, call the customer service department for clarification. This can save you from an unpleasant surprise when your 0% interst credit card statement tells you that you owe interst.

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