"Deferred interest is a really nasty gotcha, because a lot of people don't understand what it means," says Rossman. If you don't know the rules, it can end up costing you far more than whatever you saved on that initial purchase, he says...
https://www.cnbc.com/2025/12/02/some-store-credit-cards-come-with-a-nasty-gotcha-says-expert.html

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