I would like to know the interest rate on the cards that have no annual fees that you mention. If credit card is your prefered method then i am happy for you. I was just answering the good fella person's question as to what are the incentives to switch. For you the reasons i gave may not applyj to you and that is fine. I don't think it is a right orr wrong answer, i was just stating my incentives. If you are cashed up you can also have neither a credit card or bnpl and just load up your bank debit cards that you can use like a credit card but with your own money. Each to their own.
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