Owning a car is a series of small bills that add up. Between gas and insurance, keeping the paint job intact usually falls to the bottom of the priority list until you see the first chip. Early spring is the best time to look for exterior accessories because shops are clearing out winter stock before the summer road trip rush. You want to get these on the car before the ground thaws and the roads get messy.
Negotiating for the parts is one thing, but paying for them is another. You can split a $250 set of guards into small monthly chunks using the Citi Simplicity® Credit Card. It gives you some breathing room so you aren't hit with the full cost right when other spring expenses start to pile up.
The 0% interest rate is a temporary window, not a gift of free money. If you still have a balance after those 18 months are up, the standard variable interest rate will apply to whatever is left, making your guards much more expensive than the original price.