Guitar Centers Promotion of $0 Cash down with 0% interest through the finance company Household Retail Services is a COMPLETE RIP OFF. Heres what they do. You sign up for the promotion - They don't tell you it's 21.9% accumulating interest. They tell you it's $0 cash and a 0% interest loan for one year. They send you billing statements throughout the year showing your balance - But no interest is displayed on the statements. If you don't pay the loan off within the year, they slam you with accumulated interest at the... read full review »