I just got my capital one $500 credit limit card in the mail. It has 0% apr until may 2009. If i buy one thing for $500 exactly, then make $100 dollar payments for 5 months, what exactly will i be charged? Anything? What happens when im paid off and dont use it for long periods of time? Also, will this help raise my credit? Thank you, some of you guys are genius when it comes to this stuff.