you can now use a credit to buy something on amazon, and take advantage of one of those multi-payment options at checkout, splitting that payment up into like 6 payments and put those payments on your credit card! A partial payment you make with a credit card that you have the option to pay a fraction of that balance each month...yikes. 2 layers of credit further obfuscating the reality of a consumer's debts. It's crazy the layers of credit I see my friends interacting with, scary too. I have friends just doing it as a default even for small purchases.