My concern is the impact on my credit from not paying back in full, even if there's zero interest for an extended period of time. Like paying an appliance in 3 months with no interest versus the full balance before the next billing cycle. I just assume there's a downside to having that convenience aside from them hoping I'll fall behind.

[–] JDubbleu@programming.dev 2 points 9 months ago

Short term credit balances like appliances paid off over 3 months don't affect your credit for very long. As soon as they are paid off and the balance falls off your credit report your score will rebound. It's not worth stressing about.