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Hi Frank, I just did a trial layaway and it brought up the "Credit" Price as well. I would check with Buds to see if this is a mistake or policy change via LiveChat (available from 9AM to 9PM 7 days a week), the "Blue Chat Now" bottom at the bottom right of the page at 9 CST in the morning, or phoning at (859) 368-0371 (available 9AM to 9PM EST Monday through Friday).