Or put another way, some shops give additional discount if you pay cash as they don't need to pay the 1% or 2% for credit card transactions. At the end of the day, instalments will help those who not so comfortable to part with huge amount of cash upfront. In exchange for the instalment service, you pay a bit more (i.e. less discount) but at least you get to enjoy your watch sooner rather than waiting to save up that $15-$20k...
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