Another rant - why is paying insurance monthly "credit" (even if "0% APR")?
Surely insurance covers specified risks for specific time periods, so if you pay a year's insurance up front you are giving them credit - you paid for something and they have yet to actually provide it.
So why is paying monthly, i.e. 1/12th or a year's premium at the start of each month, treated as credit? Surely you are still paying for each month's insurance in advance of getting the insurance for that month. i.e giving them time to provide the service not them giving you time to pay for something.