goodfellaQuadpays terms are very clearPeople keep signing up to...

goodfella
Quadpays terms are very clear
People keep signing up to it

People keep buying on it

The ceo of quad Brad Freudenberg or whatever the surname is has pointed out the buy anywhere feature is a stand out for quadpay (read a point of difference why customers are choosing it over rivals)
nunbers don't lie. Massive growth continues in the US. You told everyone Zip had paid three times too much for quadpay at 420 million and it wasn't worth more than 100 million. You're a fool.

quadpay is the fastest growing bnpl in the US the last 5 months. I'm glad I'm on the bandwagon of that.
Zip most downloaded app in Dec.
We aren't fourth or eighth.
You're an old man that doesn't understand the younger generation and think everyone is going to stay on their 300 a year credit card for the points.
You're wrong. The data says your wrong. Credit cards are being closed. Balanced reduced. Younger people half of them don't even own the credit cards. So who do you think is reducing their balances or closing the credit cards. It's that older generation; the 30-55 age bracket. The people on good incomes that will be spending for the next 15 years.
Banks did well for awhile there with their all inclusive mortgages that included a premium card for a annual 400 fee. Those days are all but done.
Interest rates have plummeted and the banks held onto those drops in interest rates. They passed some of it on but not all. And on those package that included a credit card they refused to drop their mortgage rates.
Customers left in droves breaking up their financial products how to minimise home loan interest and move to lower credit card fee structures. Bnpl has come along that effectively offers 1500 credit and no to little fee (under 50 a year even with account keeping fees) so of course customers are choosing bnpl. It's a cheaper product for them. And they get things like cash back and discounts on merchants, something the credit cards have never offered.
You need to get a clue you poorfella