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This is the same as people buying stuff focusing in what the monthly payment is (ie auto purchases). Never mind what the final cost will be once you finally pay the thing off. As cmyx6go said above, you're paying an additional $144 in payments which is really interest in borrowing their money for the 12 months. And you don't even get the courtesy of a reach around as you pay $4, for the privilege of them giving it to you from the rear. That $4 to me is almost the same as the balance transfer fees credit cards charge.
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