I don't understand the hoopla about 30% interest on the Q card.
Let it go to 100%!!
As long as you pay it off each month, ( or before whatever period is declared in thier guidelines they send you when you sign up) what difference does it make?
And if you DON'Tpay it off each month, you can't afford what you're buying.
Easy Pay breaks up the payments so they are charged each month....instead of carried forward from a previous month if you bought it all at once...each Easy Pay is a NEW charge.
Just pay it off.
Better yet...use a different card.
Sheesh.