[AStonesThrow]

A couple of years ago, I signed up for a secured credit card. It included cashback rewards and the barrier to entry was low, so why not?

(It turns out that I have no need for credit or a credit score/rating in my situation. I may have been better off with none at all. Anyway...)

After about six months in good standing, the bank refunded my security deposit and I had an unsecured credit card.

The cashback rewards are specifically for use at restaurants and gas stations. So it's quite tempting to simply use this card to run up bills whenever I dine out (or order delivery), because then there is a steady and significant stream of cashback rewards on it.

Otherwise, I'm a bit horrified that anyone would BNPL for food, especially prepared food. If your cash flow is such that you can't afford to purchase a meal, or shop for groceries, that's a bit dire. I would be looking at charities and gov't programs and any other way to subsidize food, other than buying on credit. You definitely don't want to dig a hole like this between paydays.