"buy now pay later" schemes. They are basically a credit card where you pay in instalments rather than a minimum monthly repayment like a credit card. Technically not lines of credit so they skirt around lending laws and can be given out to more people, but it also means they can't do much to recover the debt if it goes bad. Which is why the financial councillor told us we could just ignore them if we can't afford it anymore.
(I was in my early 20s when I racked up those debts lol)