How best to use 0% credit cards offers There are two ways to use these types of deal the first is to use them as a quick fix plan which will allow you to lower your monthly repayments and the other option is a long term strategy that will eliminate your credit card debt much quicker, in fact, many years ahead of schedule. The quick fix will help you out of an immediate hole: If you are struggling to make your monthly repayments 0% credit cards will help to reduce the minimum monthly bill drastically as you will no longer be paying interest on your balance. Although this may seem like music to the ears of many it is only really of use to those trying to avoid damaging their credit score as you are less likely to miss payments, the down side is that if you only make the minimum payments required by the card provider your balance will only come down very slowly, very slowly indeed. The method referred to as the long term strategy does not benefit you initially, and if you utilize these offers to their highest potential you will actually need to be paying more off your outstanding balance than you were previously! In other words, the best way to utilize zero interest deals is to pay as much as you can possibly afford whilst the offer is available to you; by doing so every cent you pay will be going towards clearing your debt rather than lining the pockets of the credit card companies, you will literally save thousands in interest payments and shorten the life of your credit debt drastically, not to mention improve your credit score by doing so.