I think i used it to buy a new bed. Its kinda like those 12 months interest free store creditcards. I had no trouble with it just make sure you pay it off by the end of the interested free period ends
As the other commenter said it's a bit like the 12 months interest free store credits. Only I never received a credit card. I used it to buy a treadmill. You have to make sure you pay it off on time so you don't get charged interest and I'm pretty sure from memory after I had paid off my item they continued to take the money out for a couple of weeks until I realised because they "leave it up to you" to notify them they no longer need to take money. As long as you remember to do that it's all good.