This has helped me better understand my avoidance of interest-free credit (assuming one has the option to pay in full). In theory, I get to have the item and a

This has helped me better understand my avoidance of interest-free credit (assuming one has the option to pay in full). In theory, I get to have the item and a majority of my cash in my pocket with little downside. I reason that it's a burden I have to service and potentially the start of a slippery slope towards embracing credit facilities.