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The Fry’s credit card may look attractive with its long deferred interest period but you should be absolutely sure you will be able to pay off the balance by the end of this period. Also, a single late payment may cause you to lose out on the promo period and since the interest is deferred you will be charged the interest retroactively going back to the date of purchase. So if there is a hint of doubt you can pay off the balance or pay on time, we would recommend you to skip this card and apply for a regular credit card from a major bank. There are credit cards with 0% intro APRs and you can choose the card with the most suitable introductory period. Also, in most cases such cards will come with a rewards program allowing you to save on your purchases at least 1%.