Thanks for the considered response - the more I read the more I'm leaning that Afterpay is a good thing allowing lay-buy, if responsibly used - but yeah I see the evil view side as well, if they are enabling people who can't afford to book too much up. Where Splitit you do need a credit card (As you said normally come with annual fee's etc -- unless you happen to have a way to make the bank wave them) then you can get all the normal points on your purchase, earn returns on your own money and just make your regular payments and set.

For me I doubt I will use anything listed here and just keep paying cash -- but there will be a day where cash will be no more, and I am compelled to think about this stuff; things like getting 'free flights on points for things I am buying anyways' is compelling to my life style, so I must try to understand these things and plan :)

Cheers