Or you may apply on your own. A credit card allows you to buy now and pay later. They can be used to purchase many things. They are especially useful for purchasing expensive items. An installment plan is used where each month you pay a portion of the purchase price and the interest.
All charge cards charge interest.
This is how they make their money. The rate varies. Look for the lowest interest rates, especially if your payment will be extended. Charge very wisely. Credit card debt is on the rise.