Yes.

A credit card is used for convenience and comes with a bunch of protections against fraud. While the scummy credit card companies do trick people into using them when they aren't actually useful and charge predatory interest rates when you fail to pay, there are some actual positives about using credit cards when you are financially stable. Yeah, they have somewhat high interest rates and penalties, but paying twice what you spent will probably take a few years.

AfterPay and all of these companies that offer multiple payments for small purchases are 100% targeting the poor who are just trying to survive by tricking them into a purchase that will probably cost them at least twice the actual cost or more spread over a short period of time. These things are basically loan sharks with less physical violence.

For a big catering meal, it could possibly be better than paying with a credit card because I often see those without interest.

But most of the time, you're paying it off in 6 weeks anyway so the difference is negligible.

Paying off credit card usage is good for your credit rating. Applying ( not neccessarily using ) an AfterPay is a black mark on the credit rating.