It doesn't matter if you pay it off, If you go to borrow money, every lender/bank is Australia take a min 3.8% of your credit limit as a min repayment, in your case $760.. Now think about regular income people, $760 out of their borrowing capacity is huge compared to Min $40 per month with Zip.. That why BNPL is the future, not credit cards.. That's coming from someone in the finance industry..
$10 Party, page-717
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