I considered ditching my credit card and using buy now, pay later instead — here's what I learned that made me change my mind

“For now, Howard Dvorkin, a CPA, says that credit cards still offer more value that BNPL services can't replace. "While in some cases BNPL offers free financing with no interest or fees, the service lacks the ability to give you any rewards you would obtain for your purchase from using a credit card like cash back, points, or miles," says Dvorkin.”