Layaway without the wait

Credit cards are not that wide spread in many parts of Europe opposed to the US. I guess it's more like PayPal with the possibility to pay later. But yes, I also use my debit/credit card for online payment, which is a step more as I have to enter many numbers for that.

Credit card with no rewards and more predatory payment scheme

Credit card with no interest or very very low interest.

It's like lay-away for people old enough to remember that, except you get the product immediately instead of later.