You'll receive a decision straight away after you've applied for your personal account.
If approved you'll find out straight away how much you have to spend.
There's no interest charged if you pay off your balance in full or you can choose to spread the cost over a period of time that suits you. Remember, if you choose to spread the cost by opening a personal credit account, it will cost you more than if you pay for the items in full.
No need to enter your card details at checkout.
You can make payments and check your balance to see what you have left to pay, or what you have left to spend through your online account.