In my opinion, its best to shop around and find the best deals on credit cards. I've found that if you contact your credit card company, they will always be willing to work with you in terms of APR rates and payment schedule. So DEFINITELY give them a call! Also, be sure to see what other credit card deals are out there!
Being in the atm business myself, I saw this item in the store as well and thought it to be extremely clever. It gave me that "Why didnt I think of this first" feeling1