I've done that a couple of times buying televisions from Best Buy. Take the 12 month no-interest offer, then pay it off in 11 months - it's free money. However

I've done that a couple of times buying televisions from Best Buy. Take the 12 month no-interest offer, then pay it off in 11 months - it's free money. However, they have changed the details in recent years. Prior to this it was an ordinary financing account. But now it is a Best Buy credit card account with a limit equal to the purchase price. This means that in the 1st month of the offer, you're at 100% utilization on that card. And this hurts your credit score. Not to mention it now has an annual fee with an interest rate potentially as high as 31.49%. And this is just too risky. Save your money, then buy what you want.