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I think you are lucky because there is not so much "Buy Now Pay Later" there. What I know now is that many people around me are using this, yes it looks helpful if we use it very wisely. But this will be disastrous for us if we only use it for things that are not considered important.
My neighbor uses Buy Now Pay Later, but he uses it for business. Yes, he opened installments for other people, but he used the BNPL, things like this are profitable because he can see business opportunities without spending capital. But what is a pity is the person who credits it, because the costs incurred will be greater than the price of the goods.
Well, there is a good reason some people think credit is a trap and living on it is a new form of slavery.
Unfortunately, there are folks who do not have much option and end up acquiring debt beyond their capacities, also I believe the fact BNPL purchases do not affect the credit score of the clients only helps for people not to meditate on the consequences of its abuse and facilitate recklessness.
There are some consequences indeed and of course there are positive and negative sides.
On the positive side, this can still help if it's only done once or twice, but with conditions like this it actually makes people forget that they have to pay in installments and prefer shopping using that.
In my country now there are many conditions like this which actually cause a sizable debt in the end because they are not aware of using a method like this, especially when past the specified time limit there is usually more interest to be paid which makes this a little difficult.