I haven't read their fine print, but usually with interest-free offers, the catch is that if you're ever late on a payment, you get hit with a relatively huge l

I haven't read their fine print, but usually with interest-free offers, the catch is that if you're ever late on a payment, you get hit with a relatively huge late fee, or your interest rate gets switched from 0% to whatever the highest rate allowed is. I think that's how they afford it: counting on enough people to end up paying interest or fees after all.