Nope I dont get anything that I cant buy right then and there with cash. Even my car. I got a 2000 Malibu for only $200. Course I had to put alot into paying fines and stuff because it was never liscensed. So anyway I dont even have a credit card. Never buy what I dont have money for. It keeps mee out of debt.
I used to sell things that way..... and as long you pay the balance in full by the end of the 12 months you are ok....otherwise the interest is retro active and you get charged interest on the full balance from day 1.