https://www.reddit.com/r/personalfinance/ comments/15mkrc2/no_interest_credit_at_best_buy_to_buy_a_tv/

"Its still debt. Its a monthly payment you'll be making on something you don't need. If instead the average American invested the same amount that they pay per month in monthly payments we would all be millionaires. Avoid consumer debt.. even if interest free.

What if you lose your job? do you really want to be using an emergency fund to repay monthly payments towards a tv? I doubt it. Buy fun things with cash that you already have. If you cant pay cash you cant afford it.

Its 100 percent up to you at the end of the day its just what i would do personally"