Originally Posted by
particlemn
Ring stores, furniture stores and used car dealers make a large amount of their money on their financing "we can finance anyone" so even with great credit they can charge what they want to and place early payment clauses and late payment clauses into the deal to maximize profits.
But if you're going to offer 0% financing as the OP indicates, one would think that those with the best credit would be the ones receiving the 0%. I'm not disagreeing that their financing is a terrible deal unless you're on a promo, but if no one qualifies for it, what good does it do? The bait and switch on financing seems very destructive to prospective deals.
Maybe OP can share why they refused him the 0% financing and why they didn't disclose it to him when he made the purchase.