Would you apply for the Z Gallerie credit card to finance a couple big ticket items or would this be a card you would regularly be using for shopping at their stores?
If your main motivation is getting the card to finance a big purchase, if you have a decent credit score it would be more beneficial to get a major credit card that gives 0% interest because from what I can see, Z Gallerie uses retroactive 0% (deferred interest) if you don't pay off the purchase in time. Major credit cards from banks don't do that.
You may also be able to find a 0% offer that comes with a cash back bonus
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