Old/new payment solution for better sales results

In the retail units of North America, Australia, New Zealand and South Africa it was popular in the 1990s to pay a 10-20 percent deposit on a product which was ‘put aside’ for the customer who paid for it in instalments and finally took it home. Later credit cards and vouchers took over the place of this solution. However, on 8 September 2011 Wal-Mart announced to start offering this type of service again because of the global economic and credit crisis and the more cautious lending policy of banks. The service only costs 5 dollars but if in the end the buyer cannot pay the whole price, he can get back all his instalments already paid by agreeing to pay a 10-dollar fee.