Yes, but you must pay off the credit card. You should also pay attention to minimum monthly payments and the interest rate. I also don't suggest using a store credit card toward an expensive guitar. Or, see if you can pay half in cash or debit and the other half on a credit card. It's also not a bad idea to see if there are any deals. That said, both Guitar Center and Musician's Friend have good financing options. Guitar Center offers 0% interest for 48 months, while Musician's Friend offers 8% cashback. Remember, these can still affect your credit score if you can't pay your credit down.