They’re not credit cards. A credit card is good revolving line of credit that you get recognized to possess. You utilize the card to pay for you buy entirely following at the conclusion of the fresh battery charging several months you are able to pay away from their costs otherwise make payments if you don’t pay it off in full. Generally speaking, if not pay what you owe regarding after the brand new charging several months, interest tend to accrue, that will be 20% or even more. CNET always advises paying down the credit in full . They aren’t just like layaway.