topic When intro APR expires, at one point does interates start to accrue? in Credit Cards

When intro APR expires, at one point does interates start to accrue?

Anonymous — Sat, 01 Oct 2016 00:19:37 GMT

So I have a BoA credit card with 0% intro purchase rate for the first 9 billing cycles. The 9th billing cycle cut on 9/9/2016, and the payment due date is 10/4/2016

So my question is, in order to avoid paying interests, do I have to pay off the balance by 10/4/2016?

Or, does the balance then get subjected to the grace period on the October bill, meaning I have until 11/4/2016 (or whenever the Nov due date is) to pay it off?

Re: When intro APR expires, at one point does interates start to accrue?

gdale6 — Sat, 01 Oct 2016 01:29:53 GMT

To avoid interest charge you need to pay the total new balance billed on 9,9 on or before 10/4/16

Re: When intro APR expires, at one point does interates start to accrue?

NRB525 — Sat, 01 Oct 2016 05:04:05 GMT

If you wait until 10/4 you are probably paying interest from September 9 onward. The "grace period" was when you first made the charges 9 months ago, or during the first 9 cycles. Now that the 9th statement has cut, the interest started up on September 10.