To really get the benefit, you have to haggle. I bought a laptop for a friend the other day at Good Guys, ticketed at $1050. They immediately offered it to me for $1020 for cash. I sent them back to pretend to work something out a couple more times because I wanted it for $950. We haggled it down to $960. I was pretty proud of myself actually, I almost never haggle (because we always seem to be buying things on finance) but this friend had the cash in her purse so away we went.