Contrary to what some may say, credit cards, by itself is not necessarily a bad thing. It can be used as a tool that allows you to purchase much-needed items while managing your cash flow. The only time it becomes a bad thing is when credit balances remained unpaid and interest accumulates.

Credit companies are aware of these pitfalls and have begun offering new cards that feature a 0% APR. This means that you can charge purchases to your card without needing to pay interest.

Why would credit companies do that? It