Not always. I tried to buy a laptop on Lenovo's website. They rejected my credit cards several times, despite my Serasa credit rating maxed out, etc etc.

But then they offered me the laptop with enough discount that was a no brainer. I obviously calculated the difference between 1x, 12x with the hidden interest - cashback and Pix.

So 3 days lost trying to buy the thing, then instant approval and next day delivery when I paid with Pix.

When I bought the NSW2 on pre sale, it was better to use installments, get some cashback, etc.

I meant for everyday stuff, not larger purchases where discounts may apply, I may have oversimplified. I do buy stuff with Pix now and then, but day-to-day NFC credit is my go-to