“"Great question! Let me think about this carefully—" 💪 ChatGPT recommends bnpl like it's getting commission.”
Gemini
CREDIT CARD WINS
bnpl5/10
credit card6/10
“😤 Gemini went back and forth 47 times. credit card barely survived.”
Claude
CREDIT CARD WINS
bnpl4/10
credit card8/10
“💳 BNPL promised to be the cool, debt-free rebel but ended up being just another way to convince people they can afford things they can't, while credit cards at least had the decency to be honest about their villainy from day one.”
Perplexity
BNPL WINS
bnpl7/10
credit card5/10
“⚔️ Perplexity agonized over this one. bnpl by a hair.”
Both are hanging on — barely.
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