In the harvey norman brochure...No Deposit, no interest, no repaymengts for 12 months...on items over $300.. So lets assume you bought a vacuum cleaner for $310...
What do you pay at the end of 12 months?
Fine print... Establishment fee $25 Monthly fee $4.95 so x 12 Total fees and establishment is $84.40...so a flat rate of interest...sorry its no interest...a flat rate of fees etc equivelant to just over 27% interest....