Buy now pay later, ninety days same as cash, interest free financing, no payments for a year, your credit doesn't matter! Haven't we all heard this before? Our parents and their parents before them never would have thought of using credit to the extent that most Americans do on a daily basis. There is no wanting, just buying! Interest-free come-ons from retailers may be tempting, but consumers unaware of contractual details may find themselves in a trap. According to Bankrate.com, these types of buying incentives are designed to get customers into the store to buy things they often can't afford, and subsequently, it convinces some people that they can have any item or luxury without actually paying for it.