You may want to check with your local laws. A business class I once took made it a point to mention that store issued credit can't last longer than 90 days. Any

You may want to check with your local laws. A business class I once took made it a point to mention that store issued credit can't last longer than 90 days. Anything longer and it must be backed by a lending institution. If you look at the bottom of ads, you'll sometimes see the resulting legalese. They get around this by things like layaway and larger chains will actually have their own insured lending institution. This will vary by jurisdiction, as not all countries are the same. I am going to speculate that Puerto Rico is the same, as it is a US territory, but that's speculation.