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Do you think BNPL - Buy Now Pay Later is damaging our habits of buying and saving ?

Not really, if you know how to use it.

How do you use it ?

see every credit has a billing date, once you come to know you can use it accordingly. for example your billing date is 15th of every month, start using after 15th so you will get 1 month for the next bill and then you will get a payment date for ano

Got it