Financing can actually be an incredibly good idea if you expect inflation to increase at a greater rate than the interest. It literally saves you effective money.

That said, it also tends to involve a credit pull (which hurts said interest rates) and becomes a monthly bill.

So if you can afford the monthly bill AND it is a meaningfully large purchase AND you have every reason to expect inflation to increase more than the interest rate? It is actually a pretty good idea.

For even a 200 dollar battle pass: no, it is not.