However, if you choose to carry a balance, you'll only pay interest on the new balance and not the balance you
held during the intro period.
In that case you can use credit cards with no intro APR (intro period can last up to 15 months) and pay off your balance in
full during the intro period with no interest added.
During the intro period pay down as much principal as possible and repeat the process (within reason) before the regular interest rate kicks in.
This choice can be risky, since the interest rate on the new card may be very high after the initial zero - interest period, but if you can pay off your
debt during the intro period (usually 12 - 18 months), then it's a great idea.
However, if you choose to carry a balance, you'll only pay interest on the new balance and not the balance you
held during the intro period.
You might really believe you're going to pay the medical debt off
during the intro period.
Do this only if you can pay off the purchase
during the intro period.