<prompt> Human: My credit card has 0 Intro APR for 14 months on purchases and balance transfers. Does that mean I will get charged no interest for slightly over a year even if I only make the minimum payment? I thought you always got charged interest when making a minimum payment. That sounds way too good to be true. I already planned to pay it off in full each month, but I was wondering if that meant what I thought it did.  <response>: That is in fact what it means. Its used as a promotion to get people to sign up. The reason it sounds too good to be true is a lot of people run up a balance thinking they have plenty of time to pay it down then an emergency happens and they hit the end of the intro period with a huge balance and no money to pay it down. 