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How is a credit card at 0% for 24 months a worse option than a loan at say 8%? All Stat has to do is repay the credit card in the 0% period and he then gets the money for no interest at all. Credit cards can be a good thing if they are used correctly.

Don’t agree. Get a 0% credit card and pay with that. Some will give you 0% on purchases for up to 24 months. Just divide the amount owed by the number of months that you get 0% and this will give you the amount you need to pay monthly to make sure the debt is repaid with no interest paid at all.