Hi Tsanga,
I actually pay my monthly bill from zip with my Frequent Flyer credit card... so it pretty much delays my cash outflow even longer. So yes I use both, but I make sure to pay no interest on my credit card. I don't mind the $6 per month charge to zip, especially as a I am part owner!
Just wanted to highlight the difference between APT, as zip is can be used for all types of payments. (I'm not bagging APT, I wish I pulled the trigger and bought at sub $10 last week)
I agree it is similar to a credit card, but their is much less interest charged and their is something powerful about linking the app with retail websitez.. I log in to the zip app and it makes me feel like buying things!
Zip partners with Apple! Interest free for 24 months!, page-112
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