Not the best price its been, but if, like me, you held back to read the reviews first ;) limited stock in most places, and cheapest right now. £45.99 but code 073 knocks a tenner off, you'll have to pay some delivery or find something else to buy, as free delivery over £50. Potential 7% cashback if you've never used them before.
Please note. You need a credit account with studio to purchase from them and a credit check will be performed.
Wrong, you can choose deferred cash payment option instead
Perhaps you need to read the definition of deffered payment
A loan arrangement in which the borrower is allowed to start making payments at some specified time in the future. Deferred payment arrangements are often used in retail settings where a person buys and receives an item with a commitment to begin making payments at a future date
Clearly says loan arrangement. Sounds like credit to me.
"If you instead choose to apply for a cash (deferred payment) account, you will be asked to pay in full shortly after receiving your bill. If you later feel this option isn’t right for you, and would prefer to spread the cost, you can switch to a personal credit account by paying a minimum payment amount, or a higher payment amount of your choice, as detailed on your bill. The choice is yours."
So if you pay in full, what exactly is the problem?