Buy With: On hand / Credit

I click credit right, and the credit stats are:

Name: CXisa
Description: Basic credit card.
Interest Boost: 5% Using Fee: 5%


See the using fee is 5% of what the total cost of the item is and the item is $2400 and I have 126, so I should have enough, but it wont work, why?

PS: 5% of 2400 is 120.