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You’ll enjoy an incredible 21-month 0% intro APR on both balance transfers and purchases.That means you’ll sail interest-free straight into 2019, saving a bunch of money in the process.The Qpid Network Privacy Policy describes how we treat personal information when you use Qpid Network subsidiary sites' services ("Services"), including information provided when you use Charm As such, we provide this Policy explaining our online information practices and the choices you can make about the way your information is collected, processed, maintained and disposed by Charm Date, including any services owned, operated or offered by or on behalf of Charm Date, and by third-party service providers if applicable.The following describes our privacy practices that are specific to Charm We understand that the privacy of our members, subscribers, guests and/or visitors ("Members", "you" or "your") is very important.Welcome to Charm (the "Site"), a member site of Qpid Network ("Qpid Network" or the "Network").By accessing and using this Site, you agree to this Terms of Use Agreement (the "Agreement") that is subject to Qpid Network’s Master Terms of Use ("Master Terms") which is incorporated by reference, and you further agree to comply with the all these provisions and terms.We reserve the right at any time to alter or amend the terms of this Agreement, modify the Site contents or features, or change any fees or charges for using the Site and the Services.Whatever changes we make will go into effect from the date of revision without notice to you.

We endeavor to adopt internationally recommended “Best Practices” whilst adhering to the Personal Data (Privacy) Ordinance, laws of Hong Kong which you must agree to as the applicable law in case of dispute arising herefrom.

Add free monthly Equifax FICO Scores to all these benefits, and the Citi Simplicity Card – No Late Fees Ever is a smart pick for anyone with less-than-perfect credit who wants to save money on interest fees.

Citi Diamond Preferred Card Just like the Citi Simplicity Card, the Citi Diamond Preferred Card offers a ridiculously long 21-month 0% intro APR on balance transfers and purchases.

There’s even a great card for those with average credit, typically considered to be a score above 670, who also want to earn cash back.

We’ve researched the top 0% intro APR credit cards on the market, and narrowed the field down to the 5 that have the longest 0% intro APRs that we’ve reviewed.