<prompt> Human: just trying to understand what it means when they say 0 Intro APR on Balance Transfers and Purchases for 18 months .thanks in advance for your help Assistant: Shit, my brain hurts. This is how a credit card works. You want to buy something, but you dont have the cash, so you swipe your card to signify that youre borrowing money from someone to offer as payment. Later, you must repay the entity from which you borrowed. Each month, that lender adds interest to the amount you owe them, increasing your total debt, and then they demand at least a minimum payment from you. That means the higher the APR, the higher the interest theyll add to your debt, and the longer you take to pay off the debt, the more youll pay them in total. 0 APR just means they wont add any interest for the first 18 months. Youll still owe back the original amount you borrowed, and youll be required to meet your minimum payments. So yes, you have to pay them back.Human: i know i have to pay them back, but every time i elapse the grace period i wont get fined. until 18months. right?  <response>: you have to pay the minimums every single month EVEN IF YOU ARE IN 0 Promotional APR!So yes you will need to pay SOME of it back before the 18 months is up. 