 TITLE: What Happens When Your Intro 0% APR Ends? CONTENT: What Happens if I Have a Balance Left Over After the Intro Period?\n------------------------------------------------------------------\nMost people who apply for a 0% intro offer card do so to avoid the cost of paying interest on their debt. To save the most on interest, make it a goal to have your balance completely paid off before interest kicks in. You should be making at least your minimum payment during the promotional period to avoid late payments.\nIf you're approaching the end of your introductory period and still haven't paid off your balance, you might be wondering what you should do. Here are a few options you can consider:\n1.  Transfer the balance again. If you still owe a substantial amount and want to avoid paying interest on your balance, consider transferring your remaining debt to a new card (preferably another one with a 0% APR offer). To do this, you'll have to apply and be approved for another card with a special intro offer. If you get approved, doing this will enable you to continue paying down your balance with 0% interest.\n2.  Make a lump sum payment on the leftover balance before the intro period ends. If you really want to avoid paying interest, use your savings or any extra cash you may have to pay off the remaining balance before the intro period is over. This option will help you save money in the long run.\n3.  Leave the balance on the card and pay interest. If you don't want to apply for another card and can't pay the balance in full, you always have the option of leaving the balance on your card and paying the new interest as it accrues. With this option, consider paying as much as you can toward the debt each month so you pay less in interest over time. END