Thanks for all the replies to my question on early redemption.
Actually, the SE will always say take up the loan and get the freebies.
I am not sure but I suspect maybe if we vehemently insist on not taking up the loan, C&C may still give the freebies(maybe not so much). Personally, I think the critical freebies r the service credits, front/back camera, and solar flim. Those overpriced backpack, umbrella, head cushions, etc r nice to have only.
For consumers, I guess it is whether the early settlement(a few thousand depending on loan amt) + plus our own admin effort to remember to pay monthly or setup/terminate GIRO just for that few mths or 1 year is worth the critical freebies ...
For C&C, it must be more profitable for them if we take up loans, if not, why not accept full payment which is easier for eveyone - SE, accounts dept and consumers.