Make sure your payments are applied correctly so you don’t get charged that interest! You buy an item your fave store and choose the 6 months as cash option. Then you buy another items and choose the 9 months same as cash option, then another at a 6 months same as cash option. You get your statement and make one payment thinking it will be divided between them all. IT WILL NOT. I just noticed Best Buy is still not applying my payments correctly, despite me sending separate checks for separate promotions and detailing on the check exactly what promotion I am paying toward.  It does not matter.  Best Buy will apply payments to the first ending promotion first.  Govern yourself accordingly.