Okay , so that ' s just something I need to go back and read from the contract I signed . I just looked up the card ' s pricing terms and it says 0 % APR for the first 15 billing cycles . Does that have to do with my payment and due dates ? Deal or no deal , every credit card has a balanceminimum that needs to be payed every month in order to prevent penalties , right ? So even if they say 0 % APR for 15 months , I would still need to pay as I go . Or are they saying that I basically have 15 months to pay off any debt I accrue which seems like a scheme to get people spending a lot of money and then not able to pay it all off in 15 months . <| sep |> I ' m going to be that guy back at you . There are other definitions that support my usage well . I ' ll stick with melancholy