c2w sucks. The retailer looses 10% of the sale to the scheme, which they often cant afford, especially considering how time consuming c2w sales tend to be. It’s a very cynical business model, as most businesses don’t realise that they can administer their own schemes.. The c2w scheme maintains an air of officiality even though it’s only a private company. They can suck my balls. I’m glad I don’t have to work with them anymore! Contrast this to something like the Bristol Uni scheme.. They would send us a cheque covering £800 of the bike’s value, with the customer free to top up what they wanted.
Your LBS will like you far more if you go out and get yourself a new credit card with 0% on purchases. They’ll be able to do you a deal, or sell an already discounted bike. You’ll probably get a better discount overall, no ties to your place of work, and 18 months to pay for it.