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<p>[QUOTE=&quot;Maxfli, post: 3319960, member: 69089&quot;]Layaway is vastly different from a credit card. </p><p><br /></p><p>With a credit card you borrow someone else&#039;s money to make a purchase.</p><p><br /></p><p>With layaway, you save your own money to make a purchase.</p><p><br /></p><p>Yes, if you back out of a layaway agreement, there <i>could</i> be a cancellation fee, restocking fee, etc., but that&#039;s not a given.&nbsp; Layaway terms vary greatly among retailers.</p><p><br /></p><p>Responding to this for the benefit of the OP, not to ignite an argument.[/QUOTE]</p><p><br /></p>

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