Legal Loan Sharking
0% APR financing is one of the most successful corporate scams ever devised. It works like this. You agree to pay, by check, the total amount in 24 or fewer payments. The balance must be paid off within 24 months or interest is charged and you must pay the minimum every month.
The gotcha is that if you fail to meet the 24mo deadline, interest in charged retroactively and all the money you saved is now tacked onto your bill in a lump sum. You're nearly done paying for the toy and GOTCHA you see a nice surprise, all the interest you were trying to avoid and possibly a service fee.
You review your records and see that one of your checks was "lost in the mail." Good luck proving it. GOTCHA.