Man, say what you will about credit cards, but at the very least with many of those you get rewards of some sort. BNPL is just the consumer version of the payday loan; you get nothing but the scam.

Idk, I do them when there is no interest involved. Like my credit card I only do it when I have the money though.

For what reason? Am I missing out on something?

Seems like it’s better to just pay now if you have the cash.

if you have the cash

And there’s your answer.