A Boring Dystopia

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54% of Gen Z Shoppers Use Pay Later Plans to Buy Groceries (www.pymnts.com)

submitted 2 months ago by [email protected] to c/[email protected]

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[–] [email protected] 3 points 2 months ago

I can choose with my credit card to designate a purchase over 100 bucks as a pay over time purchase. I don't use it for anything less than 4 digits, but this year we got hammered by 4 4-digit car repairs, a 4-digit tree removal, two surgeries for our dog, and a few other unexpected big expenses. I used it for the car repairs and the dog surgeries because there was a promotion where there was no fee, it just raises the minimum monthly payment, and brought the interest down. I didn't have the cash to pay that many things off at once so I'm using to to pay them down that way at a lower rate.

But you are absolutely right, using pay later plans for small frequent purchases is not great. They might not have a choice though.