Start with the detail that sounds made up.
There is a department store chain in America that issues its own credit card and charges no interest.
None. Zero. You buy a coat, you pay it off over time, and the amount you owe never grows.
In an industry where store credit cards routinely carry interest rates near thirty percent, and where those cards are frequently more profitable than the merchandise, this is close to heresy.
Also there is a piano. A real one, played by a person, in the middle of the store.
And shipping is free. Not free over a threshold. Free.
Every one of those is a cost the rest of the industry decided it could not afford while the industry was collapsing.
This chain is not collapsing.