$50 here we come..., page-779

Most people that have mortgages through the banks would have an offset credit card facility aligned. I doubt these sorts of people would revert to using BNPL extensively tbh, except for the sad cases that have been documented where partners are using it to "hide" purchases from one another......a sad existence if you ask me but whatever floats your boat!

BNPL is targeted at millennials with ZERO assets. Even the name......BUY NOW PAY LATER...has somewhat of a negative connotation. If you have the money why not just buy the item outright.....and dont give me the "its a better cashflow" rational.