In my drive to purchase a new wintel book, I considered using the payment plan to pay, that way my account doesnt take a major sudden hit. I am curious if I pay have to pay interest. I just dont want to pay interest, otherwise I would buy normally. Will I pay more if it says: Annual Percentage Rate (APR) for Purchases:0% (1) Fixed for 3 months, thereafter 12.74%(2) variable. where (1) is:You will have a fixed 0% Introductory APR on purchases for 3 months. Your Introductory APR will automatically be adjusted to the normal Purchase Rate if the required minimum payment is not credited to your Account before the first day of the billing cycle that starts after the payment due date on your statement. and (2) is :2The APR for Purchases is determined by adding a margin of 5.49% to the 3-month high prime. This is all so confusing. If I pay within 30 days, is there interest? Anyone done this before?