There is a bunch of bad advice in this post. "Gimmick cards" aren't a rip off. I use them frequently. Know the terms and follow the system. You'll benefit from it.
Financing a computer with 0% interest is stupid?
To each their own. Some people can benefit from good advice, some people are destined to think that they're always right and don't need advice.
I made the mistake of using a Best Buy card for 0% APR even when I had the cash to pay for a new TV. When that TV broke inside of 6 months, I had to pay to fix it because Best Buy wouldn't take it back and the BB credit card offered no benefits outside of the APR. Had I used the advice I offered above, I'd have had 0% APR on the purchase on my Amex and Amex would have replaced the TV without me having to come out of pocket $250 to ship it back to the manufacturer.
Best Buy CC, Apple Financing, etc do not offer any benefit beyond a 0% APR. You are MUCH better off getting an Amex Blue Cash (or Discover Novus, or Chase Ink, or any other quality credit card) with a 0% intro rate as all good credit cards offer purchase protection and extended warranties in addition to a good APR.
Let's see. The company gives me a computer for $2000, which I promise to pay off in 12 months or incur a penalty.
When I was in college, I worked at a retail computer store and was tasked with approving store credit cards for people buying computers. It's stupid, it's a gimmick, and it's easy to get burned.
I put $2000 in my MM account, earning me money. Every month I send them $170 dollars, keeping the remainder in the bank, still earning me money. In 12 months they have their $2000, I have the money I earned.
And when your computer dies and you don't have a good credit card company offering you purchase protection and extended warranties, you're screwed. Miss a payment by accident and you get stuck with the full interest for the full term. In-house financing via store credit cards is STUPID.
It's only stupid if you're irresponsible and can't pay your bills on time.
I'm a big fan of using credit responsibly. You're a big fan of arguing for the sake of arguing. I never said that you shouldn't take advantage of 0% APR. I said that financing something you can't afford is bad. Save up and pay outright (or in payments from your MM account). I also said that using gimmick cards rather than cards that offer benefits is bad. I stand by those two assertions.
edit: furthermore, the topic of conversation is a college kid buying a computer, and I quite blatantly posed my opinion on financing in general as my soapbox opinion. The rest, regarding benefits and risks of in-house financing vs. quality credit cards is as good as fact.