 TITLE: 7 Reasons to Get a New Credit Card This New Year CONTENT: 6\\. Cover Necessary Expenses and Take Your Time to Pay\n------------------------------------------------------\nBalance transfer cards can be excellent if you already have a balance. But if you have a major expense coming up or you're struggling to just get by right now, a 0% APR credit card could give you some breathing room.\nWith the Capital One Quicksilver Cash Rewards Credit Card, for instance, you'll get an intro 0% APR on purchases for 15 months, after which the variable APR is 15.49% to 25.49%. This means you can use the card for necessary purchases, and you'll get more than a year to pay off the balance with no interest charges—just be sure to pay at least the minimum every month to avoid losing the promotion. The card also offers ongoing rewards and a one-time bonus for new cardholders.\nIf you're considering a 0% APR credit card, just be sure to avoid using it for unnecessary expenses, especially if your budget is tight. The appeal of paying no interest could tempt you to overspend, and once the promotional period is over, the remaining balance will be subject to the card's regular APR, which can get expensive. END