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..
It doesn't matter if you pay it off, If you go to borrow money,...
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