Yeah these companies make this option because the majority of people don't sort themselves out and pay the balance before the deadline. It's a good option if you are the type of person who's organised enough to do it. I've done it before moving in with the girlfriend. Felt the need to get a new peice of kit so she wouldn't notice it was new after we were living together. I had a bonus coming up so knew I could pay it a few months down the line.

Why do hobbies make us feel the need to be so sneaky with the other half, eh?