No. The financing Apple is offering is typically 12 months split into 12 separate payments. That is 0% financing and not a 'charge card' style. You're still get

No. The financing Apple is offering is typically 12 months split into 12 separate payments. That is 0% financing and not a 'charge card' style. You're still getting 11 months of delayed payments, unlike a charge card where everything is due once a month from the previous month of the card.