The best way to ensure you can pay down your debt on a zero-percent interest card is to set up autopayments. It’s easy to figure out because you don’t have to factor in compounding interest—you simply have to divide your balance by the number of interest-free months you have ahead of you. Schedule a recurring payment from your checking account, make a note on your calendar to make sure your payment went through without a hitch, and enjoy knowing you’re making progress paying your debt without any extra interest fees.
It’s helpful to set up these payments because as your balance decreases, you may feel compelled to pay it off altogether. But since you’re not paying interest for a while, it makes more sense to stay the course and make consistent payments on your interest-free balance while working to bring down your balance on any interest-bearing accounts.