If they can make payments then they can make deposits in a savings account and wait until they have all the money in hand to make the purchase in whole. And while they have their own money in their own savings account they can be drawing interest off of that money. So they can actually have their money working for them making money while they save it. The Easy Pay doesn't have anything at all do with "not buying in full", but rather it has everything to do with what Isaid earlier.... Instant gratification. They just don't want to wait until they have the money in hand. I've been there myself in the past and I can tell you it's a very easy way to get in trouble with. But if you send Tower the money in full each time you make a purchase then you'll never get in financial trouble. It works with Tower as well as discipline in using credit cards, it's just too easy to get yourself in trouble. It's not for me, and if can help even one person avoid those problems by posting here then I'll feel like I've helped someone.

Ken