<prompt> Human: or continue to build my emergency fund while paying 125 a month to pay it off in time for the APR to kick in. My first emergency fund goal is 2000. I have about 500 so farThe card is a BOA cash rewards that Ive had for a few years. No annual fee.I did pay a 3 transfer fee 80 at the time Reading the fine print, I am in no danger as long as I pay the balance by the offer date. After that I pay interest on the balance.  <response>: Paying it off every month in time for the promotion to end sounds like a good idea to me while building your emergency fund. Theyre loaning you money at 0 interest.However, i would pay it off 2-3 months before the promotion ends, just so you dont cut it so close. 