“My best advice is to stay out of there altogether.”
I try not to shop there but like to use cash if I do. They make their profits off the financing and maintenance plans. From what I’ve read they make very little off the product sale.
Not having credit cards or finance payments, we are usually able to scrape together enough money to purchase whatever we need without financing it. If a person can get free of credit cards and time payment plans, life is easier.