[derekgas]

Another popular one is credit, lots of offers for buy now pay in 6 or twelve months, when you try to pay with a card over the phone before the free period ends, they tell you they dont accept credit dards, usually it is to late to arrange money transfers or what have you, so then you owe them interest, if it is a twelve months free deal, they can then claim interest on the full sum, from the first day you are over the limit.