Just because you are penny pinching does not mean everyone else does. $2000 line of credit，even with 10% after tax return，is $200. it's not worth the hassle. 6 figures is not a lot of money， but enough to make bnpl useless. Credit cards offer like 10 times of line of credit for free， over similar period. If you are making 7 figures， your credit limit is only going to be a lot higher，and you can use it to pay for anything anywhere.
Just because you are penny pinching does not mean everyone else...
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