No I have not used any form of afterpay (other than a credit card) nor would I ever. I always pay my credit card off at the end of the month as well so I have never paid interest anyway.
My biggest concern with these afterpay options is that there is no credit checking going on e.g. does the person want afterpay because they have maxed out multiple credit cards?, no checking how many of these services an individual has signed up to or whether the individual can afford repayments even over 4 weeks. And the fact that just about any purchase these days offers afterpay regardless of the actual amount of the purchase is a cause for concern.
And when you now consider the push for ‘before pay’ which is simply an advance on your salary though not from your employer (and for which you pay a fee on top) this whole ’ business’ is geared to enticing more people into spending money they just don’t have. We already hear stories of people getting into trouble and then blaming everyone but themselves. The truth is, these so called ’ free money’ services are anything but and most people using them are not just trying to feed/clothe their families or pay bills on a low income. Look at the ads, they are all about discretionary spending feeding the ‘I want what I want and I want it NOW’! attitude so prevalent these days.
Like many have said here, if you can’t pay for the item, you can’t afford it - and that goes for not paying off the credit card in full each month.