Here's my secret to expanding...

Bibi Hernandez
Aug 12
2 min read

How I Used 0% APR Credit Cards to Expand (And How You Can Too)

If you’re a self-employed nail tech, esthetician, or beauty boss, you already know—most of us weren’t

handed a trust fund or a business loan.

We don’t have investors.

We don’t have rich uncles.

We are the bank.

So, how do you go from surviving to scaling when everything costs money and every dollar counts?

Here’s how I did it:

I used 0% APR credit cards—and I still do.

Let Me Break It Down for You

There are credit cards out there that offer 0% interest for 12 to 21 months. That means you can make a purchase now—and pay it off over time without paying a dime in interest.

It’s not a scam. It’s not risky if you do it right. It’s a strategy.

Here’s how I’ve personally used it over the last 20 years:

💳 Opened One Stop Salon Chicago back in 2011

💺 Upgraded all our pedicure chairs

🏫 Expanded into One Stop Beauty School

👧🏽 And I even use this same strategy today to pay for my kids’ education and training

I didn’t wait until I had the full amount saved up. Because let’s be honest—most people never “save up” enough. I made the investment, and paid it off monthly—interest-free. That’s how I moved forward while everyone else was waiting for the “perfect time.”

This Strategy Is Perfect for Beauty Pros

We’re in the busy season right now. Summer is when the money is flowing—vacation nails, wedding brows, glow-up facials, all of it.

If you’ve been thinking about:

✔️ Getting your license

✔️ Taking an advanced class like SNATCHED Brows

✔️ Upgrading your equipment

✔️ Finally launching your brand

You don’t need to wait.

You need a plan.

How to Do It Right (So You Don’t Get Burned)

This isn’t about racking up debt—it’s about leveraging credit like a CEO.

Here’s how to do it smart:

🔹 Pick a card with 0% APR for 12+ months

🔹 Break down your total cost by the number of interest-free months

🔹 Set up automatic payments

🔹 Pay it off before the promo ends

If you can’t commit to paying it off in that time, don’t do it. But if you can? It’s one of the best tools in your bag.

You’re Not “Just” a Beauty Pro—You’re a Business

This is how real businesses grow. They use innovative tools. They take calculated risks. They invest before they feel “ready.”

And that’s what I’m inviting you to do too—but with strategy and structure.

✨ Let’s Talk About Your Next Move

If this message resonates with you and you'd like help applying it to your goals, please reach out. I'm here as a resource for you.

I’ve been exactly where you are, and I’m here to help you move forward—faster and smarter.

Stop waiting to have it all figured out. Start building your way there.

Talk soon,

Bibi

If you’re a self-employed nail tech, esthetician, or beauty boss, you already know—most of us weren’t

handed a trust fund or a business loan.

We don’t have investors.

We don’t have rich uncles.

We are the bank.

So, how do you go from surviving to scaling when everything costs money and every dollar counts?

Here’s how I did it:

I used 0% APR credit cards—and I still do.

Let Me Break It Down for You

There are credit cards out there that offer 0% interest for 12 to 21 months. That means you can make a purchase now—and pay it off over time without paying a dime in interest.

It’s not a scam. It’s not risky if you do it right. It’s a strategy.

Here’s how I’ve personally used it over the last 20 years:

💳 Opened One Stop Salon Chicago back in 2011

💺 Upgraded all our pedicure chairs

🏫 Expanded into One Stop Beauty School

👧🏽 And I even use this same strategy today to pay for my kids’ education and training

I didn’t wait until I had the full amount saved up. Because let’s be honest—most people never “save up” enough. I made the investment, and paid it off monthly—interest-free. That’s how I moved forward while everyone else was waiting for the “perfect time.”

This Strategy Is Perfect for Beauty Pros

We’re in the busy season right now. Summer is when the money is flowing—vacation nails, wedding brows, glow-up facials, all of it.

If you’ve been thinking about:

✔️ Getting your license

✔️ Taking an advanced class like SNATCHED Brows

✔️ Upgrading your equipment

✔️ Finally launching your brand

You don’t need to wait.

You need a plan.

How to Do It Right (So You Don’t Get Burned)

This isn’t about racking up debt—it’s about leveraging credit like a CEO.

Here’s how to do it smart:

🔹 Pick a card with 0% APR for 12+ months

🔹 Break down your total cost by the number of interest-free months

🔹 Set up automatic payments

🔹 Pay it off before the promo ends

If you can’t commit to paying it off in that time, don’t do it. But if you can? It’s one of the best tools in your bag.

You’re Not “Just” a Beauty Pro—You’re a Business

This is how real businesses grow. They use innovative tools. They take calculated risks. They invest before they feel “ready.”

And that’s what I’m inviting you to do too—but with strategy and structure.

✨ Let’s Talk About Your Next Move

If this message resonates with you and you'd like help applying it to your goals, please reach out. I'm here as a resource for you.

I’ve been exactly where you are, and I’m here to help you move forward—faster and smarter.

Stop waiting to have it all figured out. Start building your way there.

Talk soon,

Bibi

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