Is it worth applying for a 0% Credit Card? (Part 2 of 2)

A 0% credit card essentially means that you are not charged any interest on your purchases for a defined period of time. How long that time period is depends on the credit card company and the deal on offer. Whether getting a 0% credit card is worthwhile or not depends on your unique situation, what you want it for and how well organised you are when it comes to handling money and debt. Done correctly, 0% credit cards can actually save you money. However, if they are used incorrectly, you can land yourself in debt for a number of years.