Anna Maria Andriotis
speaker
3,396 appearances
52 recordings
1 series
first heard Jul 2017
last heard Dec 2022
Anna Maria Andriotis’s voice in public audio — every appearance, attributed to the second.
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Appearances
We can't really say at this point the impact that inflation is having on credit card spending and credit card balances.
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But as the cost of goods and services continues to rise,
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It increases the chances that people will be relying on their credit cards more to make payments and will end up carrying balances or larger balances than they currently are.
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This is a $100 item.
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Pay $25 a month or $25 every couple of weeks with this payment provider, with this buy now, pay later program.
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And suddenly the consumer thinks, huh, $25, that's totally manageable for me every couple of weeks or every month.
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These programs allow shoppers to split up
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payments for a purchase that they're making over several weeks or several months.
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And it's essentially a program that allows for fixed payments.
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The consumer knows that they are going to, for example, be buying a $100 dress and that over the course of a few weeks or a few months, they'll be making a fixed payment amount that will
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in the end result in them having paid off that dress by a certain period of time so that the consumer knows that as long as they make that set payment, whenever it's due, they will be done paying for this dress or sweater or whatever item it is that they are buying by a specific end date.
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There are controls in these programs that allow
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for many consumers do bring peace of mind because there is a difference between, okay, I'm going to buy this dress with my credit card and just leave it on my credit card and pay a little bit at a time and incur interest charges.
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And in the meanwhile, I'm making other purchases on the credit card and I'm
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For people who aren't paying their credit card bills in full every month, the charges that they put on credit cards can basically be on their cards and be incurring interest on their cards for many months, if not longer.
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It's almost like a budgeting tool that you know, okay, I'm going to be able to pay this off by X specific date because that's just how this plan works.
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I can't just carry this debt forever.
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Another reason why they've really become very popular is because, so again, let's say somebody's buying a $100 item and says,
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They're thinking, well, you know, do I, am I going to be able to afford this item or should I do this?
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The way that they're positioned in many merchants' websites is that, okay, this is a $100 item.
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Showing 841–860 of 3,396 · page 43 of 170
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