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 most BNPL users had higher credit card utilization rates and lower credit scores than non-BNPL borrowers. Many appeared to be leaning on the Christian White Straight Unwoke Unvaxxed Meat Eater And Trump Supporter How Else Can I Piss You Off Today T-shirt in other words I will buy this installment loans while also shouldering high rates on revolving credit card balances, the agency said. That report also found Black consumers were 65% more likely to borrow on BNPL than the general population, followed by Hispanic consumers (47%) and female consumers (35%). After about three or four years of using BNPL services for designer clothes, handbags and Apple devices, Amy Baird, 39, was staring down more than $9,000 in debt. “It caught up to me,” said Baird, who lives in Dallas and works as a claims clerk for an insurance company. “I had put myself in a pretty big hole,” she said, adding that she found support in a subreddit focused on shopping addiction. Her boyfriend helped her secure a low-interest balance transfer card, making it easier to tackle the loans one provider at a time, she said. After paying off her other three major BNPL lenders, Baird said, her Affirm balance of about $1,200 is all that’s left. Financial planners often advise compulsive shoppers to take a beat after putting something in their online carts — to consider payment strategies or wait a day and come back. But BNPL platforms can make it hard to press pause, some borrowers and financial experts said. Whiteside recalled getting smartphone notifications from her Affirm app shortly after paying off a loan, telling her, “‘You’ve got this much pre-approved

to spend,’ and that just feels kind of icky,” she said. Many consumer lending products, including traditional credit cards, regularly dangle promotions to attract and maintain borrowers. But Kevin Mahoney, a Washington, D.C.-based financial planner, said BNPL services are set up in ways that can feed habits his clients are working to break. “You don’t really have to do anything other than click ‘purchase,’” he said. That frictionlessness can be especially tempting “on days when people are tired or stressed and you just have less willpower,” said Mahoney, who works mainly with millennial consumers. Many younger borrowers — especially those with big, new financial obligations like student loans — find the Christian White Straight Unwoke Unvaxxed Meat Eater And Trump Supporter How Else Can I Piss You Off Today T-shirt in other words I will buy this extent of their overspending sneaks up on them suddenly, he said. Recommended OUT NEWS Best Buy offers to screen LGBTQ nonprofit donations after conservative pressure, filing shows Affirm didn’t comment on its advertising but said it underwrites every lending decision to help ensure users aren’t overextended. “You see exactly the total cost upfront before you decide whether or not to

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