When zero percent interest isn't free: understanding the real cost of credit

https://thesavingsdesk.birchreport.com/posts/when-zero-percent-interest-isn-t-free-understanding-the-real-cost-of-credit

Zero percent interest offers can make borrowing seem cost-free, but fees, origination charges, and deferred interest often apply. If a balance is not paid by the term's end, retroactive interest on the full purchase amount may be owed. The real cost depends on repayment timing and any upfront charges, not just the advertised rate.