You can pay down debt without incurring new interest charges — but this strategy only works if you have credit card spending under control. (thousandaire.com)
Once your balance is transferred, you'll have an introductory period (usually 12 months) at a 0 % APR to pay down your debt while not accruing new interest charges. (smartasset.com)
And if your balance isn't accruing new interest charges, your entire minimum payment is applied to your balance. (rewardexpert.com)