as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
are 'no interest if paid in in x months' credit cards worth it?
user
you can't buy it outright. you can't take the time to save up. if the remaining choice is between a card that charges from day one, and a card with this kind of grace period, the grace card is the better choice. plan wisely, pay it in full before that rate starts to be charged. one additional note - there are two groups of people, the pay-in-fullers and the balance carriers. i believe that one should pay in full, and never pay interest.  a zero rate offer can be used by the balance carrier to feel great for 12 months, but have even more debt after the rate kicks in.  as a pay-in-full user, i've used the zero rate to throw $20k at the 5.25% mortgage, and planned a refinance to 3.5% just as it ended. a $750 savings (after the tax effect) well worth the bit of effort.  the fees should be in the fine print. my zero rate had a transfer fee, $50 max, which was nothing in comparison to the savings.
assistant