Another Card? Or just pay off what you owe.
Earlier this year I used my Affirm account for just about everything. I got to about $3500. Then Affirm reported to Experian and there went my credit. Equally, the bank that Affirm worked with had a data breach.
I would have done better just paying off my existing credit cards and not spending any extra money. In about a period of 3 months I paid off $2000.
The interest rate was 29.99% for most of the loans. It was heartbreaking. Granted, I am now dwindling it down to under $1000 and just wipe it out.
Equally, then just take out the credit cards. Take them right out because as I demonstrated in 75 days I was able to pay $2000 that is 2 and a 3rd of my four credit cards paid off. In that period I paid for Dental and Taxes by dwindling my IRA. I also moved spending $3000 to move ( deposit and rent ). That was really expensive.
Just trust me don't do the Buy Now Pay Later thing ...its just another credit card and its at a rate that is just horrible.