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Also, one side question, if the 0% runs until the last day of the billing cycle 7/20/2015, does that mean I have to pay the balance off on 7/20/2015 or does it mean that if I do not pay the balance on the next bill in August, I will have to pay interest?

It's usually best to ask your credit card company this question because the terms of each BT offer can vary. However, in general, I would say that if the promo rate ends on 7/20/15, you will start being charged interest on the balance as of 7/21/15, so you had better have a $0 balance before 7/21/15 if you don't want to pay interest.

AJ
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