Introductory 0% APR promotions can create windows where new purchases or transferred balances avoid interest for a set period. Used thoughtfully, this breathing room supports payoff strategies, large planned expenses, or cash‑flow smoothing. The key is disciplined budgeting so balances decline before the promotional window closes. Shoppers should also check terms like fees, promotional length, and how different transactions are treated. With a clear plan, these offers can reduce borrowing costs and help consumers meet financial milestones more efficiently.