Definitely wouldn't sign up to have an 'offset' credit card facility. You pay through the roof through those 'packages'.
I use Afterpay for both cashflow purposes when you can stretch out the payments and ease of use. Why wouldn't I keep the extra $75 dollars in my bank account earning interest or better yet have it invested? It's opportunity cost and no different to a business stretching out their payments and using the cash else where to earn something.
APT Price at posting:
$52.26 Sentiment: Hold Disclosure: Held