<prompt> Human: Ill try to keep it short and to the point. Perhaps its a lesson to have been learned and shared.In 2017, I decided to open a new credit card up to help manage expenses for getting married later that year.I began 2017 with a near perfect credit score and financial reports that I monitor on a regular basis. So the best matched offer for a card was one from Citi that came with 18 months 0 interest. I applied, got my approval notice and thought this will help me structure out paying for the wedding and hit the 18 month with either a very low balance or have the card paid off.Open my card statement this month to see an interest charge. Figuring this card isnt even a year into it, I need to inquire.After hitting some walls, I decided to take a hammer and contact Consumer Financial Protection Bureau CFPB. Two days later I hear back from CITI as a response that I had never had 0 interest and that I had other months with small interest payments.Was told that the card I applied for that the 18 0 interest is an all-or-nothing when you get the card and just because you are approved for the card doesnt mean the approval applies to the promotion. The promotion has a set criteria that I must not have met. No one I spoke to at Citi knew the qualifications or criteria.Ultimately, Ive been told that applying for a card with 18 month no interest card and being approved does not mean youre going to receive that and what you receive is described in your terms and conditions.What Citi will do is give me 7 months interest free and take off my last interest payment for my issue.Do I just accept that or continue to fight through the CFPB relating to advertising concerns?  <response>: If the 0 promotion was in effect, you would literally see 0.000000 in the interest rate box on the credit card statement. Always read your statement, especially the first one!On the other hand, if you dont have an interest rate promotion, you will not see 0 interest rate in the box, even if you pay in full. Youll instead see 0 subject to interest due to the grace period in effect. 