"Free Subaru Service" is something of a misnomer, IMHO. True, if you pay your balance off every month . . .
Ever get the "double whammy" from a credit card company? You miss your payment by one day and that "special, low rate" of 1.9% or whatever automatically shoots up to 23% and you get a "late penalty fee" of $29.00. Call it what you want, I call it legalized robbery - and designed to put you in debt and keep you there.