Buy Now, Pay Later services promise seamless checkout experiences with zero-interest financing that splits purchases into manageable installments. The pitch sounds reasonable during holiday shopping frenzies when credit card limits approach maximums and gift lists keep expanding beyond initial budgets. Retailers embed BNPL options directly into checkout flows, making it absurdly easy to approve $150 here, $89 there, and $220 somewhere else without calculating cumulative debt across multiple platforms. What felt like smart budgeting during December shopping sprees becomes financial chaos by January when payment notifications arrive from Klarna, Affirm, Afterpay, PayPal Pay in 4, Zip, and Sezzle simultaneously.

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Many services are a lot cheaper when you pay once for the whole year instead of month to month.

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Many services are a lot cheaper when you pay once for the whole year instead of month to month.