I've done these same-as-cash deals at Best Buy (oddly, looking at my credit report, I found my Best Buy account was closed due to inactivity) and paid them off in the agreed on time frames - except once. I thought I had paid the entire balance, but had something stupid like $2 remaining, guess my math wasn't right). Since I had it on set auto-pay from my bank, it didn't get paid. I wound up with late fees and interest from the moment of the purchase (on the entire amount). So while it can be a good deal, you have to be ultra-careful with them, especially as you're nearing the end of the term - don't make the mistake that I did and "oh, that's auto-paying, no need to look at the bill"