What a hidden agenda the 0% Interest Free Option is!!!
Popped into DFS to make a purchase today as was handy for me when spending so much with the 0% interest free option over 4 years.
When questioning the salesman who seemed a bit cagey about the whole thing it turns out that the credit checking is pretty strict, and if turned down for the interest free credit you are still obliged to pay for the order and they won't cancel it!
My credit rating is pretty good but the thought of that being a possibility and the headache it would create stopped me making my purchase.
It's dishonest and out of order, change your ways DFS