'use a credit card' mate... have you not seen or heard of the decline in credit cards of late? Do yourself a favour and jump on the RBA payment statistics. You'll find credit accounts peaked in January of 2018 and have been on the decline ever since. If you're planning on betting against the BNPL movement, then you're planning to lose.
Hell, you still probably think the yellow pages is an attractive and worthwhile investment to diversify your portfolio into lol!
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