I personally don’t use it as I use credit card to get points for flying
however I pay off my cc within the time and have never got interest payments well for the past 5 years anyway
I tried apt but it did not suit as it was to low a base
but saying all that I have gotten into trouble with cc when I was younger and see the benefit for the get now pay later generation
i feel also apt is a genuine disruptive fintech and am happy to invest in a rare company that is very good at what it does and is scaling international
the usa USA is huge and a nasdaq listing imo in the next 12 months will be a big reward for holders here
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$50 here we come!!, page-132
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