In my opinion, they're great.
Last year was tough, my credit dropped below 600. But I keep promises, so when I got approved to buy a $3600 machine for my workshop, I paid it off. Then I ordered a Starlink setup for over $3000 and no problem. Then I bought a $6000 table saw for my workshop and no problem even though I was still paying off my previous purchases. A few months ago I bought a $5000 CNC machine and yesterday I bought some more $800 in tools. Many of these purchases were with 0% APR if paid in 6 months. I'm really happy about it.
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