Kinda depends on what you want to buy - certain shops and if there's an in-app promo/voucher I can use at the time of transaction, sure.

If the merchant only has certain bank punya terminal for CC instalment that you don't have (but inexplicably got Atome)...

4 digit service packages, devices, etc - no; that one gotta use CC instalment that's longer than 3 months already.

Only used Atome, which seems to be the biggest player here at the moment. Would use it more if it had Amex support, but oh wells. I try not to use it willy nilly. Also, the payments are automatically deducted from your added credit/debit card on the due date, just FYI.