You've probably seen it.

你可能已經看過了。

Buy now, pay later.

先購買，後付款。

Last holiday season, there were $16.6 billion in sales.

上個假期，銷售額達 166 億美元。

ABC 3340's Cynthia Gould explains how it works and how to keep your payments in check.

美國廣播公司 3340 節目的辛西婭-古爾德（Cynthia Gould）介紹了它的工作原理以及如何控制您的付款。

The offers are everywhere online.

網上的優惠資訊隨處可見。

Afterpay, Klarna, Affirm, and more.

Afterpay、Klarna、Affirm 等。

Quick to get you approved, no hard credit check, and pay it off in four interest-free installments.

快速審批，無需嚴格的信用檢查，分四期無息還款。

At least 100 million U.S. consumers have tried it at some point or another, and our survey finds that they really like it.

至少有 1 億美國消費者或多或少地嘗試過它，我們的調查發現他們非常喜歡它。

TransUnion's Liz Pagel says it can be a great tool, but remember this.

全美保險公司的 Liz Pagel 說，這可能是一個很好的工具，但請記住這一點。

Downside is you really, really have to make sure you're not tempted to spend too much.

缺點是你真的必須確保自己不會受到誘惑而花費太多。

You have to make sure you can make every scheduled payment.

您必須確保能夠按期支付每一筆款項。

So when you click into that little offer, make sure you understand when the payments are gonna be due.

是以，當你點擊那個小優惠時，請確保你瞭解付款何時到期。

Make sure that you can not only make those payments, but also make the payments on everything else in your wallet.

確保您不僅能支付這些款項，還能支付錢包中的其他所有款項。

Late payments can add up, and overdue balances turned over to debt collectors.

逾期付款會越積越多，逾期餘額會被轉給收債公司。

You need to keep a close track of when payments are due using autopay.

您需要使用自動付款功能密切跟蹤付款到期時間。

A cardrates.com survey found Americans carry an average of about $1,000 in buy now, pay later debt.

cardrates.com 的一項調查發現，美國人平均揹負約 1,000 美元的 "先買後付 "債務。

56% believe the trend is risky.

56% 的人認為這種趨勢有風險。

One in 10 have fallen behind on payments, and 23% feel they're encouraged to overspend.

每 10 人中就有 1 人拖欠付款，23% 的人認為他們被鼓勵超支。

It's most popular among the Gen Zers and millennials, but Pagel doesn't expect this trend to replace traditional credit cards anytime soon.

它在 Z 世代和千禧一代中最受歡迎，但 Pagel 並不指望這種趨勢會很快取代傳統信用卡。

I think they're gonna coexist.

我認為它們會共存。

I think there's times when it makes sense to use a credit card, times when it makes sense to use buy now, pay later, and we're seeing consumers are using it all.

我認為，有時使用信用卡是合理的，有時使用 "先買後付 "也是合理的，而我們看到消費者正在使用這一切。

Pagel explains an added benefit, buy now, pay later could work to improve your credit score.

Pagel 解釋說，"先買後付 "還有一個好處，就是可以提高你的信用評分。

Coming soon in the next year or so, those positive payments, like when you're making your buy now, pay later payments on time, they'll be reflected on your credit report, and it'll be a way to start building credit.

在未來一年左右的時間裡，這些積極的付款方式，比如你按時支付 "先買後付 "的款項，將反映在你的信用報告上，這將是一種開始建立信用的方式。

So it's really, really exciting, especially for consumers that need a little boost there.

是以，這真的非常令人興奮，尤其是對於需要一點刺激的消費者來說。

Now you are also do the same protections that you get with a credit card, the Consumer Financial Protection Bureau mandating things like refunds for returned products, help with merchant disputes, and bills which disclose the fees.

消費者金融保護局（Consumer Financial Protection Bureau）規定了退貨退款、幫助解決商家糾紛以及披露費用的賬單等事項。

Cynthia Gould, ABC 3340 News.

辛西婭-古爾德，美國廣播公司 3340 新聞。