I like easy pay on things that don't run out or wear out in 6 mo or less.
For ex a laptop, a vacuum, a camera, a pillow, jewelry. I certainly don't want to pay for my mascara year round in small pieces. Easy pay is a tactic to make you spend more. If you have $50 to spend....would you wanna buy one thing? Or you can get 4 things and pay over time lol.