yes, there is a difference: * advertised as "no interest unlike credit cards" ("free") but if you are struggling, you will get hit with fees * less strict cre

yes, there is a difference: * advertised as "no interest unlike credit cards" ("free") but if you are struggling, you will get hit with fees * less strict credit checks, so more struggling people can get it * attracts struggling people because if your credit is good and you are paying off, you will get much better deal with CCs in terms of cash back, miles, etc - nothing like that here * merchants actively promoting bnpl to entice struggling people to buy things they can't afford (merchants typically don't promote one-click-pay with specific credit cards) all these add up to heavily incentivizing broke people to become even more broke, more so than credit cards