My thoughts are the sooner these type of payment systems shut up shop the better .
Old fashioned layby was a good way to ensure that customers didn’t get into more debt - the item was held then released on full payment .
All these new services do is provide instant gratification and encouraging customers to take on more debt.
The current credit card debt in OZ is astronomical so why allow more outfits to create misery for customers.
Just my old fashioned rant
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