I am 15 and my mom agreed that she would take me to Best Buy, so we can get a Samsung T240HD. There's this 18 months no interest deal and I'm willing to do it, but I'm not exactly sure how it works, because you need to apply for some kind of Best Buy credit card. Are there any annual fees or financial charges like the BoA or WaMu cards? I'm also not sure what this means... Deferred Interest Info: Plan A: Variable Standard APR: 20.99% as of 11/1/08. Variable Default APR: 25.99% as of 11/1/08. Plan B: Variable Standard APR: 24.34% as of 11/1/08. Variable Default APR: 29.99% as of 11/1/08. Link: http://www.bestbuy.com/site/olspage.jsp?id=pcmcat163300050048&type=category (it's near the bottom). Does that mean that I have to pay interest or something? I don't know what that means. It's confusing me, because it said 0% interest. Please tell me what it means. Thanks!