I understand why you may not want this credit card again. The Tractor Supply credit card has extremely high APRs and their late payment fees are big too. Depending on what your upcoming purchase is, you could be in luck. Fortunately there are a lot of credit card options besides the Tractor Supply credit card that are useful for helping someone finance a large purchase. What you should try and look for is one of the many different credit card options that come with a 0% introductory APR offer. You may also be interested in one of the many cards that come with low APRs in general.