I have a yamaha credit card. My credit is very poor, and they approved me for 3100. the payment is 62 a month, and I pay 200 a month. I think it's a great way to build your credit score.
In the beginning, I thought it would be awesome to be able to finance my wedding dress slowly but like all the people here have written, they slam you with tons and tons of interest and late fees. It's a horrid card to have
My advice is, if you can't afford it on your card or don't have enough on your current credit card, you're better off applying to a credit card from elsewhere like Chase or Discovery, really anywhere -but- Davids Bridal. It's hard to keep up with all the conditions and god forbid you call asking for an explanation, you get talked to like youre the biggest idiot around.
If I could go back in time, I wouldn't let them trick me into opening the card; even though it saved me like $100 on the dress. It was absolutely not worth the headache.