I used a 0% APR credit card to pay unexpected bills with no interest

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Nothing can derail your finances like getting hit with a large, unexpected bill.

This is what happened to me at the end of 2020. A trip to the dentist revealed that I needed to have about $4,000 in dental work done — an expense I hadn’t planned for.

Of course, this came up in the middle of a pandemic, right before the holidays, when finances are already stressful enough. Luckily, I…

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