Old Sport Wrote:
In my amateur opinion, things like these would only be a good idea if you have a concrete plan to pay off whatever you buy before the promotional period is up.
I made a terrible mistake in my 20's and bought a bunch of stuff from [insert national chain TV & appliance store here] for "0% interest." I didn't pay my debt off in time and wound up paying easily 3 times as much as I would have if I'd simply saved up and bought my "toys" with cash.
I personally shy away from these types of things after that experience, but they are a decent option for someone in a crunch now but are sure they can pay it off in full before the promotional period is up.
Yikes. I would say just make sure you have automatic payments setup, and make sure you have enough in the account to cover it. I hear there are penalty fees and whatnot associated with not paying.