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Money Fix: Is 0% really a credit-card deal?

With credit card interest rates averaging about 14

Photo credit: iStock | With credit card interest rates averaging about 14 percent, a zero percent offer sounds good. However, it's only as good as you are smart about using the card, experts say.

With credit card interest rates averaging about 14 percent, a 0 percent offer sounds good. However, it's only as good as you are smart about using the card. How not to blow a 0 percent deal:

Watch the clock. Introductory rates typically last 12-15 months.

"Cardholders get used to making the minimum payments without penalties and interest. They forget when interest rates kick in and how...

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