How 0% APR credits make money?
I mean, the price of the product is the same, I'm taking a loan for the duration of the credit but paying no interest?
What's the catch?
I can keep my money making a bit of interest instead of giving it right away and without increasing the price of what I was already planning to buy. When or why wouldn't I choose 0% credits?
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Yes they're still charging the merchant fees on your purchase which is often overlooked.
I wasn't thinking credit cards. Those promotional offers are just customer acquisition. They're short term before they charge the normal interest rates.
I was thinking more like car dealers offering 0% APR, which is really just some discount off the sticker price.
Right its usually either 0% APR or "$XXXX Cash Back" offer and both work out to be a discount off the sale price. I believe the APR is usually the better way to go but it can vary depending on the actual numbers.