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Welcome to red beard and the din of tools how do you know guys and gals it's red your friendly neighborhood tool bear here with some spicy gossip today in the den of tools yep agent deep Freight has been added again our undercover Bears have been bringing us the juicy gossip again I have to say this is gossip this is in no way been confirmed by anyone at corporate anything but the word on the street is Harbor Freight coming out with their own credit card now this is to be as I understand it a store card I don't think it'll be a Visa or MasterCard maybe but the two of the benefits of this card are a that you can stack coupons that's right you should be able to stack one of the 20 super coupons along with a regular coupon essentially giving you an anytime use of a 25 off coupon and on top of that 0 interest now I'm not a big proponent of you know credit I the Bears the bear family here we try to be debt-free if it's barely possible yeah we've got I'm I'll be honest we have some debt we got to a point actually at one time when we were completely debt-free, but then some things came up we had our van die on us, we had to buy a new reliable truck for doing you know long-distance stuff, so we've got a car payment, and we do have a couple credit cards with stuff on it, but we try to stay away from you know that that spiraling pit of high interest debt and I highly recommend that you all do as well and that's what makes this kind of interesting you know anybody who's watched the channel knows that the bear here is not a big fan of the tool trucks and that's what I see is this as being is this is their stab at the tool truck financing model if you don't know I'm talking about go back and watch my video on the history of snap-on tools it's essentially how snap-on made their bones they'd go to shops they'd go to trade schools and offer people zero percent interest on their tools now they do have a revolving line that comes down from corporate, and it does have interest, but then there's this kind of you know well I'll finance it myself from the truck because each truck is run by an independent owner there are franchisees so go ahead and go back and check that out, so you can see what I'm talking about but the reason why this seems to make sense and seemed inevitable is because of their new icon line of cabinets yeah they're trying to compete literally had to had with the leading tool truck brands and when he considered that a Harbor Freight icon cabinet is 7 grand versus you know the leading truck brand of 18 grand yeah it's a hell of a discount, but it's still 7 grand oh and most guys you know let's be honest you're not going to whip out 7 grand for a tool cabinet you know out of your savings so what are you going to do you're going to finance it you're going to put it on a credit card and then pay interest on that ooh the Via Johnny's going to come, and you know bust your kneecaps on that one, but you know that's what the tool truck companies have been...
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