These options aren't in stores that u can just walk into and...

These options aren't in stores that u can just walk into and make a quick purchase and it's also quick and simple. No credit checks. It's not applying for another credit card because u maxed out your first. It's use the card u have but don't fall into their trap of purchasing something huge and trying to pay it off at their interest.
chill and take 36 weeks if need be. It's a more chill option than after pay and zip pay and everyone is giving it sh*t cos they are too scared to take the leap now it's over $1. Same thing happened with apt