if i get this
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Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% on Purchases* 6 months* 14.99%* None* N/A* No Credit History*

what does that mean 14.99 apr.. and 0% on purchases 6 months..

it s a student credit card.
0% means no interest or finance charges during the first six months if you use the car only for purchases (no cash advances or balance transfers).

14.99% APR means 1.25% per month. In other words, for each $80 that you owe on the card, you will be charged an additional $1 per month.
APR is annual percentage rate. The way it usually works on a credit card is for each month they figure your average daily balance. Then they take the APR and divide it by 365 (days in a year) to get the daily rate. The daily rate is then multiplied by the average daily balance. This gives you the interest amount for one day. That amount is then multiplied by the number of days in your billing cycle for that bill to give you the total amount of interest for that particular bill. A billing cycle is usually around 30 days long, but will vary depending on your billing date and the number of days in that particular month.
Now ,for the first 6 months you have 0% APR on purchases ( this means 6 months from when you open the account, not from when you activate the card or start using it), so zero divided by anything or multiplied by anything equals zero. So if you only have a balance from purchases for the first six months, you will not have any interest charges. I only recommend carrying a balance this way if you have a purchase to make that you know you can pay off in the first six months. Do not take a cash advance because it will be at a higher rate and will start accruing interest from day one. After the first six months do not carry a balance over. Use the card for every day things that you would normally pay cash for. Save your cash and pay off the bill every month. You will have a grace period on new purchases, so you will not start accruing interest unless you do not pay the bill off in full by the due date. You need to pay it in full every month for this to work. Do not let your balance get higher than 50% of your credit limit. If you do all this you will build up good credit and also rack up the bonuses.

p.s. You still need to make at least your minimum payment by the due date for the first six months or you wil lose the promo rate and get moved to a higher default rate. Not trying to talk down to you. I worked for a credit card company for many years and found that sometimes people do not understand this if they are new to credit cards
it means that for the first 6 months, they will not charge you interest, but after 6 months of you owning that card, if you have a balance due, and whenever you buy something, if you don't pay the balance in full every month, they will carge you 14.99% on your balance.

If you only pay the minimum amount due, then those sale items you bought thinking they were good deals because they were on sale, they will end up costing you twice as much, at least! in the long run.

credit cards are okay to have, for emergencies. If you plan on using them for everyday items, such as gas and groceries, make sure you are able to avoid the 14.99% interest rate by paying the entire bill in full when you get the bill every month. That's the only way of avoiding interest and fees. I will admit I use my creidt card for groceries and gas and such, but I always pay the bill in full at the end of the month. So, that means I have to make sure I don't go on a shopping spres,s because if I buy too much, I won't have the money in my checking account to pay off the credit card at the end of the month, and then I'll get charged interest (in your case, 14.99%). And trust me, that 14.99% adds up fast!