My issue is they cancel the card on me and don't tell me. I only use it to buy tires, so there are times I don't use it for quite a while and apparently if not used they cancel it, and never let you know that.
Last month I went to get some new tires on the Santa Fe, and card was denied saying not valid, even though expiration date was still valid.
Went to reapply for a new card and would not let me because they said I had a current account. After about 30 minutes and 2 phone calls, it got sorted out ("old" account end up reactivated). Store rep said this happens all the time. He gave me an additional $50 off purchase because if it (as well as the $60 instant discount, $40 Discount Tire mail in rebate, and 0% finance for 6 months for using the card).
Had a similar issue about 18 months ago when I went to get tires for my kids car, but ended up with a new card (the one above that I had issues with).
I did notice a similar issue as the OP with payment this time though.
With the 0% for 6 months, I set up autopay to get it paid off in 5 months.
To get an even payment amount, I made an initial payment of ~$175 the day after purchase.
Even though the payment processed in 3 days, the credit to the account did not show up for almost 2 weeks (when the current monthly period closed).
How the heck do they take payment, but not credit the account for 2 weeks? It is like they are working 40+ years ago and manually processing each payment at the end of the month.
I just pay cash and don’t play the 0% games.
But it is more than the 0%.
They often run other promos, such as instant/mail in rebates for using the card (but usually require a purchase of 4 tires, sometimes it is 2).
I saved $150 off this latest 4 tire purchase, as well as getting the 0% interest for 6 months, just by using the card (in addition to the $70 manufacture mail in rebate, but using the Discount Tire credit card is not required for that).
I think I got an instant $40 or $60 off the purchase of 4 tires on my kids car last time.
Sometimes I pay the entire balance off at once (I did on my kids car), other times (like this time), I pay it off over time because it costs me nothing except a few minutes of time to set it up (really no more time than to do a single payment).
If one chooses to pay more by using cash, that is fine, but I personally like saving money.
Unfortunately sometimes there are issues with some companies that can be a bit of a headache, but still worth it to me.