Really stupid question re: billing statements and APR

[aspentosh]

I have been around here for years and I still have never been able to figure this out... We have a 0% APR on our credit card and it's coming to an end. I want to make sure we pay it off before the higher APR kicks in, so please help. 

From the email: "We hope you've been enjoying the Promotional Annual Percentage Rate (”APR”) you enrolled in for purchases,
which is 0%. We're sending you this reminder to let you know that the promotional rate will expire at the end of your
September 2022 billing period."

So, I just got my July statement, which has a payment due on August 8. If I understand this correctly, I have 0% APR until my September statement, which would have a payment due on October 8. Or should I pay off on my September 8 payment because it will kick in for the next payment? Honestly, we can afford to pay it off whenever, we were just trying to space it out.

[puppylove64]

I would say you have until the statement that ends in September, and the bill is due in October

[flygirl]

I would agree it’s thru the Sept bill, paid on Oct but I’d definitely call and confirm

[trissie18]

If you look on your statement there should be a promotional purchase section that will tell you exactly what the "expiration" date is. You must have it paid in full by on or before that date to avoid the interest.

[sometimesrunner]

I don't know how these work, either. I always pay it off early because I would kick myself for incurring interest because I wanted to squeeze out an extra month.

[aspentosh]

I'm glad it's not just me that doesn't get this.

I chatted and the person said if I paid off by Oct 8 that we'd be good. But our APR increases on the 13th of September, so I will likely just pay it all off by then. Maybe I'll get too antsy and even pay off with our next payment.