Maybe a stupid question but...

If you do not buy anything with a credit card by the time the monthly fee is due you don't have to pay anything right?... Since you did not borrow any money. New to this credit card thing. 0 annual fee 0 intro fee.

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Glossy · F

Correct. Pay the bill in full before the month is up and you'll get (almost) a month's free credit.

But don't cut the payment date too fine Because if you miss it, they'll hit you with a big "fine" as well as the interest on your month's bill.