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Avoid "Skip Payment" and "No Payments or Interest Until" Offers

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When shopping, avoid "skip payment" offers as they cause you to pay more interest and face larger bills. Also, avoid "buy now and pay later" offers, which encourage you to spend money you don't have.

By Terri H.

Editor's Note: One thing to keep in mind about many "No payments or interest until..." offers is quite often once the no payment period has past, they not only start charging you interest on the balance but also charge you the back interest that you thought you saved.

The way to take advantage of these offers is to ensure that you actually pay off the balance before the end of the promotional period. Read the terms VERY carefully because their goal is to make sure that you DO pay interest.

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