(Bumping for someone that could use this information)....
Conn's is a crazy piece of work indeed ! I recently discovered there is 2 different types of credit account: GE Capital or "in-house", The difference is the in-house account is reported by Conn's as a "secured" account & you pay them directly with a payment book (like the old Fingerhut back in the day) , versus through GE Capital (comes with physical card & you pay GE instead). Once you pay them, they close the account & if you buy another item...it starts a "new" account (completely absurd....if you purchase something while there is an active balance on an open account, you can simply ask them to "add" the item & they will send a new payment book with the combined amounts due).
You can finance for either 12/24/36 months, but I've never had a reason to go beyond 12 months myself....YMMV