Simpl is not great. It was only a means to push the credit card billing cycle a bit forward. I could make purchases for my next statement. I found this convenient. However, with the inclusion of convenience fees for credit cards, why would I use this? I am basically using delayed debit. So why not pay for things 1) directly with my credit card? or 2) with my debit/ UPI? I don’t understand the need for SIMPL anymore. I am not trying to aggregate debt and removing it via debit. That’s the point of a credit card. And you are not getting any benefits from using SIMPL vs a credit card. The main reason is because of points from the credit card’s loyalty programs.