I've never seen that. What I have seen is that if you don't pay the card off completely in 12 months, they'll assess interest going back to the inception of the

I've never seen that. What I have seen is that if you don't pay the card off completely in 12 months, they'll assess interest going back to the inception of the account, so if you make a 0% deal you've got to be sure you can pay it off in the time allotted.