> Agree re chicken wings but there are plenty of reasonable and responsible credit options for spreading payments for a relatively unusual purchase - at least, not a daily or weekly necessity - like a TV

That stopped being true a long time ago, at least in the US. TVs can be had incredibly cheaply nowadays. A quick Amazon search shows many models available for circa $100. That's like less than a dozen fast food meals.

If you need a TV, save your money and buy one you can afford. A predatory payment plan should not be used.