BNPL 度假购物计划若错过付款,将面临债务和信用损害的风险,警告消费者报告。 BNPL holiday shopping plans risk debt and credit damage if payments are missed, warns Consumer Reports.

现在,购买后付款(BNPL)计划越来越多地在假期期间使用,但消费者报告警告说,如果未能付款,它们可能导致债务和信用损害,因为有些供应商向信用社报告延迟付款。 Buy now, pay later (BNPL) plans are increasingly used during the holidays, but Consumer Reports warns they can lead to debt and credit damage if payments are missed, as some providers report late payments to credit bureaus. 这种服务可能收取费用或利息,使回报复杂化,并鼓励超支,特别是在堆积多笔贷款时。 The service may charge fees or interest, complicate returns, and encourage overspending, especially when stacking multiple loans. 专家建议选择一个提供商,设置付款提醒,只使用BNPL购买负担得起的产品. Experts advise choosing one provider, setting payment reminders, and only using BNPL for affordable purchases.