My credit card company is SLY. So items over a certain amount they have a service where you can pay a set amount with a "service fee" vs paying no interest. So for instance if an item is $100 you'd pay 33.34 (over 3 months) plus maybe $1.00 per month as a service fee. Sounds like a great deal. Well my apr is 19.98% (yearly) or something like that. I was curious on how much I'd save with their set payment plus service fee vs my payment + interest. Well after doing the numbers, I save 1 cent