[nerdponx]

Short term investing for 3 months though? Seems like a good way to lose money on fees, then also either lose money on the investment itself or have your gains eaten up by capital gains tax, not to mention the time cost of finding good short-term investments in the first place. Or am I misunderstanding? Because yes of course BNPL is a hell of a lot better than credit card interest.

[gruez]

If there's a steady amount of spend you can put on BNPL (eg. $1000/month), you can roll over that investment month after month, rather than constantly investing/cashing out. Alternatively, you can park that money in a savings account or similar, and count that towards your "bonds" allocation of your portfolio.