
While people have written about the deferred action value, I haven't seen any conversation around specifically using this card to maximize your "extra action" events and skills.
I personally find that this card is most useful in allowing for Quick Thinking or .41 Derringer to be used when you know you will succeed, regardless of whether the extra action would be useful THAT TURN. So shoot .41 Derringer at a Swarm of Rats and then bank the extra action for a turn when it will be better used, like right after the Act advances or when you have the "right" cards in hand. Or ping Quick Thinking on Lockpicks during the first round and bank an action for fighting/evading after monsters have spawned. If you are using Double or Nothing, even better, as you can use it on a nearly guaranteed success on a 1 target and put two actions on Borrowed Time, also clearing DoN out of your hand. Heck, you could drop Ace in the Hole as soon as you get it and load it onto this card, if you're worried about discard effects. As others have mentioned, you can carry up to three actions forward indefinitely until a better turn.
I've often found that I have those rounds where I could get 6 actions but don't have Pay Day in my hand yet. No problem! Grab those actions now and defer them. Or start building an easy extra action here and there as the game progresses so that you'll have six for the boss showdown with your Chicago Typewriter.
Long story short, you don't need to spend your 3-per turn actions to build this card, instead you can use your "extra action" economy cards to guarantee the extra actions on the front end, and have them when you need them on the back end.