@skittles2 I haven't but I don't really use Amazon.
However, if I did and they have their own easy pay which is what monthly is, I'd use it. I don't buy what I can't afford to pay for in the month I buy, but I always use EZP when it's offered (no Q card for me).
I used to choose EZP because I could leave a few dollars in the bank to earn interest and even though right now, that's not happening I haven't changed my habits.
With short-term interest so low and expected to stay low, a company as rich as Amazon should be easily able to extend credit to its buyers.
As a consumer, I'd just be disciplined and not build up so many monthly pays that by month 3 I'd have more than a dozen to monitor. I've had a dozen here at the Q occasionally, but that's my personal limit. After that I just pay until some are gone.