Stupid credit card Intro APR Ques.

[ringstrue]

When a credit card offer says "0% Intro APR on Purchases for 18 Months. 11.99% APR after that"  - does "after that" mean the 11.99% rate applies to purchases made during the intro period or only to purchases made after that first 18 months? 

[illgetthere]

Pretty sure it applies to the balance after 18 months. If a purchase month 16 isn't paid off by month 18, the balance has the new rate

[oswin]

Check the fine print. Often 0% intro rates are much higher if you carry a balance past the intro period - they'll charge you back interest. Read the fine print very carefully.

[Velvetshady]

It applies to any balance you have on day 18 months +1 and all purchases after that.