<prompt> Human: Im buying a new mattress for 1000 and theres an option through a service with Klarna to pay it off in thenext year without interest.Im financially stable to pay it off now but I figured why rush when I can keep that money elsewhere and just set up a 100 a month auto pay. Is there a catch Im missing??nbsp;nbsp;Edit: Seems like the general consensus it that its not worth the risk missing a months payment for such a small amount. Ill just buy it full.Thanks for the feedback!  <response>: If you miss a payment you usually owe for all interest accrued which is at a very high rate. There is also the psychological effect of normalizing paying for small purchases with installments which isnt good since most places that offer such things do so at very high rates. 