Queenstown in the New Zealand winter is hard to beat. You get crisp alpine air, snow-capped peaks plunging straight into Lake Wakatipu, and world-class skiing right outside town. July and August bring the best snow, making it the right time to go if you want proper winter weather.
A trip like this usually runs about $5000 for flights, lodging, and lift tickets. Dropping that much cash in one hit hurts, so we need a way to spread out the cost without paying extra just for the privilege.
That 0% window is a deadline, not free money. If you still have a balance left when the 18 months are up, the standard interest rate kicks in on what is left over.