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Once the 0% intro APR is over, the ongoing APR will apply. You may want to pay off the entire cost of the procedure before the introductory period ends. If you use a medical credit card, it may have a retroactive interest, which means you will pay interest back to the first day of the transaction in case you are unable to pay off the card balance.
If you see that you won’t be able to pay off the card balance in full by the end of the zero introductory period and want to prolong your 0% APR for another year or two, we would suggest you to do a simple balance transfer by applying for another credit card offer with a 0% introductory rate.