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Many people start the new year with goals of getting better financial situations. Taking advantage of fresh credit card offers is one approach to achieve this. The ease of cashless transactions and the growth of internet shopping have made credit cards a necessary tool for managing finances. Additionally, credit card firms are launching fresh, alluring offers to lure new users into signing up as the new year gets underway.

A much sought-after promotion is the 0% interest rate on purchases or balance transfers for a specific duration. This implies that there won't be any interest applied to your purchases or balance transfers for a predetermined period of time, typically 12 to 18 months. Those who already have credit card debt would particularly benefit from this since it will enable them to pay down their balance without accruing interest.