I understand what you are saying. Easy Pays are slow torture. I have done it a few times and decided it's not for me. Maybe best for a large purchase. $5 a month for some Denim & Co. item....no thanks!
Unless it's a big ticket item that I have to have, like the mattress tsv, I don't use easy pay or any of the monthly payment offers. If I can't afford it at once I just don't buy it because I definitely don't need it! LOL this time of year is kind of irresistible to me for clothing. I love fall-winter garments
I only used easy pay once for a Q purchase. I don’t buy big ticket items from the Q. I try to limit my overall spending so that I can pay off my credit card balances each month.
My problem is not the easy pays, it's that I just have too many clothes. I say I'm done for the season and something catches my eye and there I go again. But I don't have several things a week coming like I've read here. Maybe one and that's all categories.