You basically just apply for one and they’ll run a credit check. Putting a bike on a credit card does seem like a bad idea though because of the high interest rates.
Unless you can find (and qualify) for one that is offering an introductory low rate, although it probably won’t be for anymore than a year. And even then, you have to be careful if you make additional purchases with it, because those new purchases will most likely be at the higher standard rate, which all your payments will go toward paying off before the low interest purchases.
We put almost everything on a credit card(s) and [ay it off each month. We’ve also used them (ones that offer 0-1% APR for a year) for things that we would have needed a loan for, like home improvements, etc. Turns out to be better than a home equity line of credit, even with the tax advantages.