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?
Oh, I was only aware of credits where the lender sets the amount to be the total exactly spread over the period, those are the only ones I’ve seen and taken, so each month I get a charge for the amount needed to keep up with the credit.
For the rest then it makes sense how they make money, since I’ve had credit cards which don’t show or at the very least hide the amount to not pay interest and only tell you the minimum payment.