You can initially get 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers and then receive an extension of up to three months with on-time minimum payments during the intro and extension periods. Balance transfers must be made within 120 days from account opening to qualify for the intro rate.
If you wanted to break up the cost of the $1,500 iPhone over 21 months and avoid any interest charges, your average monthly payment would be roughly $72. But your minimum monthly payment may be higher or lower, depending on what Wells Fargo requires. As long as you make your monthly payments on time, and you pay the balance in full before the end of the 21 months, your interest charges would be $0.
It's important that your payments be made on-time. Otherwise, the card issuer may revoke the 0% intro APR offer, and you could be charged late fees up to $40. Another option is just to pay the minimum each month. Let's say your minimum payment was $50, and that is all you're able to pay. After the 21 months, you would have $450 remaining on your balance. You would have a couple options at this point:Continue paying the balance down a little bit each month, with the knowledge that interest is now accruing.What to keep in mind when choosing a 0% intro APR credit cardis a smart way to finance a purchase.
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