Why you’re being fleeced by “Buy Now and Pay Later “…” And the Deadly Simple Switch that Gives You More Time with Zero Interest — Without Changing Anything You Do

Note: We appreciate your support of businesses that present a sponsored message and order through the links provided below. This benefits Pro Trump News. We appreciate your support! )

If you’re still tapping “Buy Now, Pay Later” at checkout like it’s some kind of life hack, congratulations–you’re the mark. You may feel like you are getting a lot of money for “four interest-free payments”, but you will soon realize that you only get 6 weeks. The smartest people, however, receive 15-21 months worth of free money when they use real credit cards. You are playing checkers, while everyone else is playing chess.

Name brand banks are currently offering 0% intro APR cards, with no interest periods of 15 to 21 months. This is not deferred-interest retailer garbage. 0% real until 2027. This is 400+ days interest-free finance instead of the 45-day “Buy Now Pay Later” trick.

You can apply for a card in just 60 seconds, compared to the time it takes to create a “Buy Now and Pay Later” account. Instead of “virtual” cards that disappear as soon as you pay, you get approved for limits between $5,000 and $15,000 instead. Every dollar can earn you real travel points or cash back. Instead of fighting a faceless app, you get real fraud protection.

Mathematically, $2,000 on “Buy Now Pay Later” equals four $500 payments over six weeks. What if you miss one day? Late fees. The same $2,000 on a card with 18 months 0% interest = $111/month. Set the autopay to the minimum and pay the balance by month 18. Total interest paid is zero. You have just transformed 6 weeks of interest-free time into an entire year and a quarter.

You still think “Buy Now and Pay Later” is better for your credit? Wrong. Each loan is now shown as a distinct tradeline. Ten purchases = ten mini-loans cluttering your credit report. When you pay off your card responsibly, one 0% credit card can actually help improve your score.

Apps that “Buy Now and Pay Later” are designed like Vegas slots machines: bright colors, instant dopamine rushes, push notifications sent 12 times per day to encourage you to spend even more. These apps are not tools, but addiction delivery systems. A real 0% credit card won’t try to sell you another spatula every hour.

The 0% introduction offers are the best in years. They won’t last for ever. The banks are not running a charity. These deals may disappear overnight if the economy changes.

The rich don’t buy now, pay later. They use 0% cards every 12-18 month, transfer their spending, pay no interest, collect rewards and repeat. This is how you can stay rich. You are using the junior-varsity version of savvy.

You’re scared of credit cards after hearing horror stories. If you’re not able to handle four $300 payments, then you shouldn’t use BNPL. The tool itself isn’t a problem. The problem is the operator.

Check out the collection of credit cards with 0% APR. The top three offer 18+ month terms. It takes five minutes. You will be approved for enough money to cover all of your “Buy Now, Pay Later”, planned purchases.

Delete any apps that say “Buy Now and Pay Later”. Stop pretending that you invented interest-free online shopping. The adult version of it has been right there in front you all along.

If you do this now, you will have everything you want in 18 months with no interest. You can either screw up and pay the late fees or ruin your credit score, but you will learn the same lesson.

Stop bringing plastic spoons to gunfights. Get the real 0% offers before they disappear and be grateful when you can bank the rewards, instead of bragging that you split a purchase into 4 payments like it is 2019. It’s time to move.