Kays catalogue buy now pay Sept 2010

chloecat_2

Sorry in advance if this is in the wrong place. Can anyone confirm that this ...

http://www.kays.com/web/en/bnpl.page?cm_re=Homepage-_-Banner+Footer-_-Buy+Now+Pay+September+2010

actually means you don't get charged interest in the next year, just that you delay payment start for a year?

Thanks so much

Chloecat

Enterprise_1701C

"This is a Buy Now Pay Later promotion. If you have any insurance products, premiums will accrue on these purchases from the date of purchase. These will be charged to your account and payable in the normal way but no other payment will be due from you in respect of the items you buy on this offer until the expiry of the period specified. This Buy Now Pay Later is not available with interest free extended terms credit. If this offer is taken out on Interest bearing extended terms credit, interest will be calculated for the full duration of the agreement including the Buy Now Pay Later period but you can avoid paying interest by paying the cash price in full prior to the expiry of the Buy Now Pay Laterperiod. 20/52 weeks 0% APR, extended terms 29.9% APR, Typical 29.9% APR. Buy now pay September 2010 is not available with any other introductory offer or discount. We reserve the right to withdraw this offer without prior notice at anytime. The promotion code can only be used once on orders of £100 or more. Returned goods, financial services products and delivery charges will not count towards the value of the order. Credit provided, subject to status, by Shop Direct Finance Company Limited. Goods/services provided by Shop Direct Home Shopping Limited. "

I read that as meaning if you pay in under a year it will be interest-free, but probably best to email them to clarify the situation i fyou want to buy something expensive - that way you have it in writing.

[Deleted User]

But if you need to defer payment for a year, maybe it's worth questioning whether you'll be able to afford whatever you're buying in a year's time, if you can't afford it now? And whether you really need it now?