1) Be blunt. Just tell your wife what a bad deal it is right in front of the sales guy, and ask why you shouldn't just buy on ebay. No need to be polite. If they said one hour, I'd set my watch for one hour and tell them in advance I'm leaving when it goes off.
2) There's no such thing as a free lunch. Interest alone is $3k/year! It limits where you can go. I'd say I want to vacation in Nepal or something like that.
Salesmen fcuking hate me :P
Bobble: that sounds like kind of a bad deal to me.
Has anyone gone to one of these things and made it clear right off the bat you're just there for the freebie and have zero interest in buying?