When you get a new credit card, it's essential to keep track of several important deadlines to maximize benefits and avoid penalties. First and foremost, payment due dates should be a priority; setting reminders can help ensure you never miss a payment, which can lead to costly late fees and damage to your credit score. Additionally, introductory offers often come with strict timelines. For instance, welcome bonuses usually require you to spend a specific amount within a few months of approval, and failing to meet this requirement—even by a small margin—means losing out on the bonus. Moreover, 0% APR introductory offers have their own deadlines; you must pay off your balance before the standard interest rates kick in. Balance transfers add another layer of complexity with deadlines for initiating transfers and the onset of standard interest rates. Staying organized and attentive to these dates is crucial for making the most of your credit card.
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