Credit card debt is one of the leading financial stressors among consumers. No one wants to go into debt, but it can happen when credit cards are used without proper care or planning. The availability of buy now, pay later (BNPL) systems has been credited for helping many consumers avoid large debts, due to its ability to spread payments across multiple pay periods. BNPL services are an increasingly popular form of payment for consumers of all walks of life. It allows people to purchase products or services with a commitment to pay off the purchase amount over a series of payments. This makes it easier for those with limited income or bad credit to make a purchase. One of the major benefits of BNPL services is that it helps consumers avoid large amounts of debt. For young people and those with limited incomes, the lure of a larger purchase can be irresistible. But not everyone can afford the full amount upfront, and that’s where BNPL comes in. It’s split into more manageable payments that are easier to meet, reducing the financial burden. The trend of BNPL has also been fueled by increasing fears about credit card debt. Some consumers are reluctant to use credit cards, due to the potential to incur large debts very quickly. BNPL allows consumers to make purchases with the assurance that they’ll be able to pay off the purchase amount in a timely manner. It also provides an incentive for consumers to budget their spending. By paying for items in installments, consumers are more likely to think carefully about how their spending fits into their overall financial plan. Ultimately, BNPL services are proving to be a valuable tool not only for helping people make purchases they otherwise couldn’t have, but also for helping them manage their credit card debt and overall financial situation. The fear of credit card debt has driven many consumers to seek out BNPL, and it’s proving to be a successful strategy.