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"The Credit CARD Act is prohibiting retailers from disclosing a rate of 0 percent APR," says Bowne.
"They can't disclose the rate at 0 percent because that is misleading.
The way to avoid this step is to get through to this dialogue box from a different location.
Instead of clicking 'sign up' from the top bar, go into the i Tunes store (not signed into any i Tunes account) and find a free app.
Other specific changes in advertisements were mandated, including posters, in-store ads, solicitations, banner ads, envelopes and pop-up ads.
"If you select None, you will be asked to provide a payment method when you make your first purchase," i Tunes says -- so as long as you don't want to actually buy anything, you won't have to give them your credit card details.
Traditional no-interest, no-payment plans are going the way of the cassette tape.
The major provisions of the Credit CARD Act took effect on Feb. Changes to the Truth In Lending Act's Regulation Z -- which spells out what lenders must disclose when issuing credit cards or other loans -- also took effect July 1, 2010.
The changes to deferred interest plans are significant, though consumer advocates hoped for more.