Pretty much what Floaded said. Plus, at the store I usually browse / shop at, they used to hold pre-sale events. They'd let preferred card holders come to the store an hour before the actual sale started. You had to have an invitation to get in. You'd be handed a printed list of all the sales items and you'd have an hour before the doors actually opened to claim your loot.
I got a Music Man Bongo 5 for $895 no interest / no payments for 18 months at one of those sales. Eventually sold it for $875.
Got a Marcus Miller 4 string for $499 no interest / no payments for 6 months at another one. Eventually sold it for $725.
The store called me this weekend to tell me I have a $20 store certificate waiting for me next time I come in. I'm sure it's just a coincidence that it popped up the same time that GC is lowering the prices on all their Music Man basses.