I've had a quick browse through tomorrow's auctions and whilst a lot of stuff will obviously fall short of the £20 mark, a lot of the other stuff seems to have been marked up tremendously therefore using one's credit will just mean that you'll pay for it what you'd normally pay on any other day - I could be wrong of course, but have a look at some of the "Bid from" prices, they are already at the price you'd expect the goods to finally go for, these prices are clearly set to rise, despite it saying it's a falling price auction - Technically it is, as it will have a ludicrous "plucked from the air" start price, then the claxon will go after much talking and it will fall to the price they've decided they're selling it for. I am a bit confused as to where they've got these bid from prices from as there's no evidence that they are set by viewers making bids...fishy!