When does my 0% rate run out?
Know when promotional rates end and whether the balance will be gone by then.
Try this with your agent- What your agent needs
- Card or loan terms. A statement fills in promo dates Candor does not have.
- What you get back
- Each promotional balance with its end date and the monthly payment that clears it in time.
- When to use it
- A focused review when this question comes up.
Try it with your finances.
Copy the prompt into the AI agent you use with Candor. It works from your Candor records and asks for anything it's missing. New to Candor? Connect your agent first.
Check my cards and loans in Candor for promotional rates, such as a 0% intro rate or a balance transfer. Ask me for a statement if the end date or the rate afterward is missing. For each one, tell me when it ends, what the balance will be by then at my current payments, and the monthly payment that would clear it in time. Point out deferred interest, where all the interest comes back if the balance is not cleared. Keep a note to check before each end date.
Nothing runs until you send the prompt to your agent.
Know what the rate becomes, and when
A 0% rate is a deadline. After it ends, the remaining balance starts costing interest, and with deferred interest the past interest can come back too. Candor may hold the terms from your bank; a statement fills in what is missing.
Check the answer
- Find out whether the offer has deferred interest. If it does, paying most of the balance is not enough.
- Compare the balance you will have at the end date with the payment that would clear it in time.
Choose a next step
Your agent can keep a note to check before each end date. Put the payoff into a debt plan if there is more than one balance.
Keep exploring.
When will I be debt-free?
A payoff date for every card and loan at what you pay now, and what extra each month would change.
One-time or monthlyCalculatorCash and debtHow do I get out from under this debt?
Compare payoff approaches against what you can realistically afford.
One-time reviewFull guideWhere my money goesAm I paying fees I could avoid?
Find bank fees, interest, late charges, and foreign transaction fees across your accounts.
One-time reviewAsk it with your own numbers.
Set up Candor, then send this to the agent you already use. It answers from your real records and keeps the plan for next time.