1. Guaranteed or Easy Approval: Designed for all credit types-No or low credit scores

2. Buy Now, Pay Later: Allows customers to purchase big—ticket items like refrigerators, stoves, or zero turn mowers and pay over time

3. Credit Building: Reported to credit bureaus, timely payments help customers build or rebuild their credit history.

4. Exclusive member discounts: special pricing, early access to deals, or rewards for cardholders. loyalty perks can be tied directly to card usage (e.g., spend $500/month, get 5% off next order).

5. Deffered interest promotions:"No interest if paid in full in 90 days" promos help customers finance without extra cost-if managed responsibly.

6. Automatic Club Membership Managemet: Card can double as a membership ID, automatically tracking purchases, ponts, and member status