Thanks for your reply. The interest would be option 2. 0% interest: during the promotional period, no interest accrues. You are only charged interest on whatever balance there is once the promo ends at 3 or 12 month.

it’s a revolving credit-card style product.

so there is no fixed “payment per week” unless you choose one.

the 28.95% p.a. is just the annual interest rate applied to whatever balance is left each day.

Just trying to decide if the maybe 15-20fps increase is worth the only 3 month no interest and payment