Let's do the math ... Sonar Lifetime $169.00 at AudioDeluxe, average credit card rate per Bankrate is ~16% ...
$169 on credit card at 16% APR for 12 months = $15.33 per month.
$169 on credit card at 16% APR for 6 months = $29.50 per month.
$169 on credit card at 16% APR for 3 months = $57.84 per month.