www.gandul.ro/financiar/pericolul-ascuns-din-spate

As Black Friday approaches, the "Buy Now, Pay Later" option seems appealing but carries hidden risks. Consumers may face high penalties and debt accumulation if payments are missed. This can negatively impact credit scores and lead to severe financial consequences, including account suspension and debt recovery actions. The allure of low monthly payments can lead to impulsive buying, creating a financial burden. Experts advise using BNPL only if one can afford the total cost upfront or is certain of future income to cover payments. Early repayment is recommended to avoid falling into a debt trap.