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Okay seriously...if you want a watch that maybe won't get discounted...you would have to be mental not to take the two years interest free option!
Think about it, you're in the UK you want an LV...£3500 or whatever. You have the cash but could pay £500 deposit and the rest over 24 monthly installments.
You then take your £3000 remaining cash striaght into the nearest bank and set up your ISA with your shiny new LV on.
In two years time, you've paid for the watch...after another year...you get your 3k back plus about £400 interest tax free!!!!!
That said...my ISA's were maxed so I admit I paid for mine on CC (as I do everything) then paid it off with OT and annual bonus!
J
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