Share your insights or perspective on the financial matter presented in the input.

Are 'no interest if paid in in x months' credit cards worth it?
You can't buy it outright. You can't take the time to save up. if the remaining choice is between a card that charges from day one, and a card with this kind of grace period, the grace card is the better choice. Plan wisely, pay it in full before that rate starts to be charged. One additional note - There are two groups of people, the pay-in-fullers and the balance carriers. I believe that one should pay in full, and never pay interest.  A zero rate offer can be used by the balance carrier to feel great for 12 months, but have even more debt after the rate kicks in.  As a pay-in-full user, I've used the zero rate to throw $20K at the 5.25% mortgage, and planned a refinance to 3.5% just as it ended. a $750 savings (after the tax effect) well worth the bit of effort.  The fees should be in the fine print. My zero rate had a transfer fee, $50 max, which was nothing in comparison to the savings.