They make it so easy.(Photographer: Bloomberg)Consumers are spending record amounts shopping online this holiday season.With budgets strained by rising prices, more are opting to load up their carts now and pay later.Sure, buy-now, pay-later, or BNPL, services appear more consumer-friendly than credit cards: Shoppers can make a partial payment upfront and the rest in four or six interest-free installments, and fees for late payments are typically capped.
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