Anyone here actually use buy now pay later (atome / grab paylater etc)?

Been seeing the "split into 3 easy payments" thing at checkout almost everywhere now, even for like $40 stuff lol. i tried it once for shoes and ngl it made me spend more than i planned bc $30 a month felt like nothing. for those who use it regularly, do u treat it as a budgeting tool or is it just a credit card in disguise? and anyone got burned by late fees before? curious if its actually useful or just a trap