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.
Basically it's a rip off. If it's short term you will be ok but the interest is ridiculous. The customer service is rude and the card only works in store on mine. You are better off getting another credit care with more options and less interest elsewhere.