you need to get a grip on what people are talking about here!
the conversation is a comparison of the cost of the bnpl purchases to an annual interest rate like a CC
doing the same purchases and repayment schedule on a credit card assuming 20% interest (also without interest free period) the $50 purchases will cost $50.57.
hence bnpl is much more expensive in this example nearly 600% more in costs to the loan
thats the point of what is being discussed
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