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@dommyracer
Some stores are prepared to take the hit themselves in return for the sale - my employer uses the Halfords scheme, but I bought a bike from Pearsons - they will only see 900 of the £1000 but they are prepared to eat it because it gets them more people through the door.
Also, they let me buy £800 worth of bike and bits and left £200 on credit for me. Which was nice.