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Finance Friday | What to know before opting into 'buy now, pay later' plans

The article from WESH discusses the increasing popularity of "Buy Now, Pay Later" (BNPL) plans, which allow consumers to purchase items immediately and pay for them over time, often without interest. Financial expert Justin Chastain from Southern Bank explains that while BNPL can be beneficial for managing cash flow, it's crucial to understand the terms and conditions, as some plans may charge fees or interest if payments are not made on time. Chastain advises consumers to ensure they can afford the payments and to be aware of potential impacts on credit scores, as missed payments could be reported to credit bureaus. He also suggests using BNPL for necessary purchases rather than discretionary spending to avoid falling into a debt trap.

Read the Full WESH Article at:
[ https://www.wesh.com/article/finance-friday-what-to-know-before-opting-into-buy-now-pay-later-plans/64522986 ]