Credit card relies on Discipline to pay debt. They charge you 2% as a minimum repayment. So if you want to pay it sooner you have to rely on your discipline to pay for it. But do majority of people have the discipline to pay their debt?? No!! people given this option will always put things off..That’s why credit card’s profits are off the roof. they feed on the weakness of iresponsible people.
Meanwhile BNPL, They obliged you to pay the product in 4/ for Zip you can also manage your finances,by customizing your repayments so you can repay it sooner,and you will clearly see what you are going to be charged at.
Are credit cards really broken?, page-33
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