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Groceries on debit. That new laptop on a rewards card. A new couch split into installments through Buy Now, Pay Later (BNPL). One shopper, three payment decisions, all in the same week. That's not disloyalty. It's a signal to retailers: 59% of consumers used both debit and credit within a single 90-day window. Most co-brand cards still ask shoppers to pick a lane, so the card ends up sitting in a drawer. A flexible credential doesn't ask that. One card that switches between debit, credit, and BNPL, chosen at checkout. Read the full breakdown: https://bit.ly/4bIBxKk