>The whole idea of a credit card is that you buy something by borrowing money, because you don't have the money right now That's a false premise: it's cheaper

>The whole idea of a credit card is that you buy something by borrowing money, because you don't have the money right now That's a false premise: it's cheaper to pay for something on 0% credit while the same money gathers interest than it is to buy it outright. It also ignores opportunity cost and could be applied to every form of credit from mortgages to business investment and government bonds.