I don't shop there too often, but figured it might come in handy to have one of Summits credit cards ( CarCareONE).. The interest rate is 22.9% ( i believe that was it). Most I would spend is $250 at a time. ( mandrel bends and A/N fittings)
I just use mine whenever I order from Summit and then pay the bill in full when it comes. No problems. I don't keep any other credit cards and I like the month-long buffer period to pay
IMO, if you can't afford it at the time of the order, you shouldn't buy it. Well, I don't care what anyone else does but that's the way I do it. Like I said, the bill comes and I pay it right off. It's as good as having interest-free, because it never accrues and I get a month's time to pay anyway.
From summitracing.com:
• Three deferred interest payment options (minimum monthly payment required)
--90 days interest-free (purchases of $150 or more per order)
--180 days interest-free (purchases of $300 or more per order)
--360 days interest-free (purchases of $500 or more per order)
no point to it, unless you wanna really f urself in the future and take advatage of the no interest for x amount of months
Just get a typical cc, and always pay it off at the end of the month. I had my first cc at age 18, and by the time i was 20 i got my first dividend card. Now this baby is sick, 1% cash back on everything, and 5% cash back on GAS, grocery stores, and a few other places i cant recall right now.