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JohnFx
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Understanding What do the various types of APR meaning in USAmean on my credit card?

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Understanding APR meaning in USA credit card

I am looking at APR details and want to understand how it works.

I see a credit card that says:

  • Introductory APR - 0% for 15 billing cycles
  • Standard APR - 14.74% - 24.74% variable
  • Balance Transfer Fee 3% of each transaction (minimum $10) ( I think this is to pay another credit card)

I want to understand what each one means. Plus also I want to understand that if I pay BEFORE the due date, I will not be charged any interest.