It’s also arguably innumerate, or at least financially unaware. The middle option is the optimal choice, as it gives you a free one-month loan from the bank. Interest doesn’t accrue until you’ve carried a balance over month to month.
If you pay the full balance on the due date, you get the interest-free loan. It's not exactly one month, but it's from purchase date until due date, which is something like 25-55 days.
You can pay your rent bill on August 1st, even if you don’t have the money for it until your paycheck on the 12th, and then once you get your paycheck, you can allocate the money appropriately so that you can pay off the bill at the end of the month worry-free.