If you need some help when it comes to expenses, you might be tempted to click that button for Buy Now, Pay Later (BNPL). But BNPL programs come with real downsides for Penny Hoarders:

Buy Now, Pay Later isn’t building your credit, but it could hurt it
Buy Now, Pay Later encourages overspending and pushes products directly to consumers
You’re more likely to overdraft with multiple BNPL loans

Did you know you can get the same flexibility with balance transfer cards? They usually offer better perks and protections, and they don't encourage overspending the way a BNPL program can. We've rounded up some of the cards we think you and your budget will like best.

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