- 2,451
- 1,118
- Joined
- Sep 21, 2012
No, you're credit score will still be effected...first of all for opening the account, and then also for making payment on time...or not doing that. The first year is just interest fee, meaning you'll only have to pay back what you spend. After that first year, you'll pay interest on the purchases you don't pay off in full every month.so my credit score won't go down until the first year and that's if i just don't pay the balance in full right?Concerning the minimum payment, you are correct, that is the amount you have to pay to keep the card current. 0% apr means you won't pay any interest on your purchases for the first year. If you have a balance after the first year is up, you will start getting charged the regular interest if the card is not payed off in full each month.