"Purchases look more attractive"
As an example, with 'buy now, pay later' a $200 item might have a payment of $50 required over 4 or 6 payments, making the purchase look more attractive, because you are temporarily borrowing and the payments are smaller.
But, using these facilities creates negative money habits. They are all different forms of credit facilities – you are temporarily borrowing, usually because you can't afford the immediate payment.
You're most likely hiding it from your spouse, and you're more likely to purchase another item, over-committing yourself and becoming liable for late payment fees.