“0% if paid in full” plans hide a trap: miss the deadline by one day and you owe retroactive interest on the entire original purchase — even if you’ve paid it down to almost nothing. Track your deadlines here before they bite.
Estimate: promo APR applied to the full original amount for one year of deferral — the typical shape of a missed deferred-interest promo. Your card’s exact figure depends on the purchase date and APR.
A one-time number is a start. Debt Engine tracks every debt, watches your BNPL deadlines, and earmarks the two “extra” paychecks a year that actually get you to zero — then redirects them to retirement once you’re debt-free. No bank login, no signup to try it.