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CareCredit advises cardholders that "with this sort of promo financing, which can be marketed as no curiosity if paid within just twelve months, or however long the agreed-to advertising time period lasts, your card issuer will waive the desire you accrue when you pay back your harmony in total by the tip with the marketing interval.

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Desire accrues retroactively as on the cost day if you do not fork out the complete balance by the top with the marketing period.