Some credit card issuers offer an introductory period of up to six months during which you can pay off as much as 90% of your balance. During the promotion, interest charges are waived and no fees apply. After this time, you’ll be hit with a higher rate for purchases and a fee will probably be charged if your account goes into default or is sent to collections.
The best way to make sure that you don’t fall behind on payments is having a plan in place before the promotional period begins — otherwise it could be too late by then. And know that even after your introductory period ends, there might still be times when it makes sense to keep paying down debt rather than just getting out from under it completely.