I’ll agree. Same as cash is stupid. I bought my wife a $2500 tennis bracelet for our 20th 3 years ago on “same as cash” for 12 months. I was late by 2 days on one payment and interest was added automatically. Ended up costing me $2800.
these are gifts that can save you lots of money...
for instance, I've currently got a no interest "loan" from a credit card company for one year...put all that down on my HELOC....so even though my HELOC interest is not much...3.25%....I'm still saving that...and I pay on the "loan" every month and won't go beyond the year.....I'm very careful on this....
sure...3.25% is not much to worry about, but its probably 3% higher than any savings account....