So, at 0% interest you'd be a fool not to take it on credit. If you have the cash stick it in a savings account that pays anything at all, set up an automatic payment, done. Free money.
Heck, at any interest rate lower than you can get on a savings account it's worth it. I'm not sure what that is stateside these days, but here it's still a few percent with no fuss.
Post edited by Excalabur : Formatting