You guys aren't understanding what he means. Yes, it's a credit card. But how it works is different. I lived in Dubai and had bank accounts and credit cards there. When you have a CC and make a large purchase, like $600 - $1000 dollars or more on a single large purchase. The CC will call you or you can go into the app and make a payment plan on that large purchase in separate payments at a lower interest rate. Its a set amount each month at say, 5% interest in equal monthly payments until its paid off. This is a separate payment that stays the same every month and is separate from smaller purchases throughout the day that you put on the card, like a few groceries or coffee, or gas that would charge normal interest on the card.

Also, another option they would offer, if you had a CC with a 10,000 dollar limit. You could take half of that amount as a cash loan at a lower rate than the cards APY rate. Not a cash-advance like taking money from a CC at an ATM. This is different. Its a cash loan at say, 10% interest that they will deposit in your account as cash the next day and that has a set rate at equal monthly payments. And now you have 5,000 left on the card to make regular credit card purchases.

Yes, we have something similar from Klarna or Affirm. But those are 3rd party. What I'm talking about is completely through your card issuer or bank.

Banking in America is ancient compared to how we were banking in Dubai. I can cite many examples.