We need to be careful to bucket "Afterpay" into a special...

We need to be careful to bucket "Afterpay" into a special category of credit assessment. The reality is it's no different to other liabilities, it demonstrates consumption habits which fit into the profile of your spending behaviour.

In other words, it's not Afterpay the bank is looking at, it's your spending habits. Afterpay is simply a tool you are using to facilitate your spending habits. if not for Afterpay you would either have:

1. More debt/Credit Card
2. Higher expenses

Unless of course you think it encourages you to spend more than you normally would over a year. However, that simply comes back to your consumption behaviour.

Therefore Afterpay does not make your approval less likely, it is in fact your spending habits.