"BNPL is inconvenient because you need to watch your repayments or else your are penalized greater than credit cards"
What rubbish - you've just demonstrated you don't actually understand the products being offered by BNPL providers.
I use Zip pay and Afterpay and just have my CC linked to them as my payment method - at the scheduled repayment times, it automatically gets paid. I don't see how that's inconvenient. It's more convenient than just paying by CC because with larger value items I'm not loading up my CC and having to pay the whole lot in my interest free period for the CC.
buy now pain latter, page-4
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