They get you if you don’t pay for it by the end of the term. They hit you with all the back interest I believe. I use it all the time for larger purchases even though I have the money in the bank 10 fold. I don’t have to worry about having $700 gone out of one pay check I can just pay $120 for 6 months or $250 for 3 or whatever. ( I just threw random numbers out there)

Set up the auto payment and make sure it’s paid off before the end of the term and you’re good.