[filoleg]

I think you are correct about it being timescale-based.

I only used it once out of pure curiosity, so idk all of the intricate details, but they essentially offered a 4 equal monthly payments plan with 0% interest, as long as I pay it off on time. Tested it, worked as promised, all was good.

I bet if you go outside of their deadlines for payments/try to stretch it for longer, you will get hit with massive interest rates tho, but cannot confirm that. Mostly because I only use credit for things I can easily pay off in cash at any moment (except things like car/house obv), so I basically treat it like a debit card and pay it off very pedantically on time (because with 0% interest, it is essentially just extra leverage).