Yuav tam sim no them tom qab vs. daim npav rho nyiaj - qhov twg zoo dua rau koj?

Thaum koj tawm mus rau cov khw muag khoom lossis yos hav zoov rau cov khoom lag luam zoo tshaj plaws hauv online, dab tsi yog txoj hauv kev zoo tshaj los them rau cov kev yuav khoom? Koj puas yuav siv tam sim no, them nyiaj tom qab (BNPL) lossis daim npav rho nyiaj?

Vim li cas nws tseem ceeb

Yuav tam sim no, them tom qab, qhov kev yuav khoom feem ntau muab faib ua plaub qhov nyiaj them ntau lub lis piam, tau tawg hauv qhov chaw. Tej zaum koj tau pom muaj kev siv BNPL pop up thaum lub sijhawm them nyiaj thaum yuav khoom hauv online. Kev sau npe yog ceev thiab yooj yim. Tab sis qee cov neeg saib xyuas tau hais tias nws yooj yim me ntsis kom tau txais BNPL qiv. BNPL tsis yog tswj hwm zoo li credit cards. Consumer Financial Protection Bureau thiab Consumer Reports ob leeg tau txheeb xyuas qee qhov teeb meem nrog BNPL thiab hu kom muaj kev tiv thaiv cov neeg siv khoom ntau dua. 

Thaum cov neeg yuav khoom feem ntau txaus siab rau lawv qhov kev paub txog BNPL, kwv yees li ib feem peb tau hais tias lawv tau ntsib teeb meem, raws li ib tug Consumer Reports survey. Cov neeg yuav khoom tau tshaj tawm cov teeb meem nrog kev xa rov qab lossis nyiaj rov qab; Qee cov nqi them lig thiab kev nplua nyiaj ntau dhau (uas tuaj yeem tshwm sim thaum BNPL them nyiaj txuas nrog daim debit card, thiab cov neeg siv BNPL yog feem ntau yuav ua rau cov nqi them nyiaj ntau dua tshaj li cov neeg uas tsis siv BNPL, ib qho kev soj ntsuam thaum sawv ntxov pom ). Lwm cov neeg siv BNPL tau dhau los ua ntau dhau ntawm BNPL qiv thiab tsis tuaj yeem ua raws li lawv cov nyiaj them, Consumer Reports pom.

"Raws li cov neeg txhawb nqa peb xav tias txoj hauv kev tam sim no, BNPL feem ntau yuav ua rau koj raug mob ntau dua li pab koj," said Chuck Bell, tus thawj coj ntawm kev tawm tswv yim ntawm Consumer Reports thiab tus kws sau ntawv tsis ntev los no. ntawv dawb ntawm BNPL. "Koj tuaj yeem tau txais dinged rau ib qho nyiaj qiv nyiaj uas koj yuav nco." Thaum BNPL tuaj yeem ua haujlwm rau cov neeg uas ua raws li lawv cov nyiaj them poob haujlwm thiab zam kev them nqi lig thiab cov nqi, nws yuav tsis yog qhov kev xaiv zoo tshaj plaws rau cov neeg uas tab tom sim tsim lawv cov credit, Bell hais.

Lwm qhov tshwm sim ntawm BNPL: khuv xim. Kwv yees li 20% txog 50% ntawm BNPL cov neeg yuav khoom khuv xim lawv qhov kev yuav khoom, raws li cov CFPB.

Qhov kev txiav txim

Mus nrog credit card thiab them nws.

Kuv yam

Tsis txhob yuam kev, credit-card nuj nqis yog kim heev tam sim no. Qhov nruab nrab txhua xyoo feem pua ​​​​ntawm daim npav rho nyiaj ntaus 19.59% thaum lub Kaum Ob Hlis Ntuj thaum ntxov, raws li Creditcards.com, qhov siab tshaj plaws txij li CreditCards.com pib taug qab APRs hauv 2007. Yog tias koj nqa qhov nyiaj tshuav, nws tuaj yeem txhim kho sai. Kev khawb tawm ntawm daim npav rho nyiaj tuaj yeem siv sijhawm ntau xyoo.

"Muaj lus hais hauv kev lag luam tias daim npav rho nyiaj zoo li cov cuab yeej hluav taws xob," said Ted Rossman, tus kws tshuaj ntsuam xyuas kev lag luam loj ntawm Bankrate.com. "Lawv tuaj yeem pab tau tiag tiag lossis lawv tuaj yeem ua rau txaus ntshai." Ua ntej koj pib siv daim npav rho nyiaj, koj yuav tsum paub koj tus kheej, nws ceeb toom.

Tab sis muaj qee cov ntsiab lus hauv kev pom zoo siv daim npav rho nyiaj tshaj BNPL. Qhov loj tshaj plaws yog tias siv daim npav rho nyiaj pab koj tsim koj daim credit, thaum BNPL tsis. BNPL tuaj yeem thov tau vim tias nws yooj yim heev los pib nrog (nws feem ntau tsis xav tau "nyuaj credit check") tab sis qhov ntxeev ntawm qhov yog tias nws tsis pab koj txhim kho koj cov qhab nia credit, Rossman tau hais. “Nws yog me ntsis ntawm qaib thiab qe yam yam. Tej zaum koj yuav raug rub mus rau nws vim tias koj tsis muaj credit zoo, tab sis nws tsis tas yuav ua rau koj nyob ze rau qhov credit zoo, "nws hais.

Vim tias BNPL tseem yog qhov tshiab nyob hauv Asmeskas, tseem tsis tau muaj cov cai nyuaj thiab ceev ceev ntawm yuav ua li cas BNPL cov chaw muab kev pab qhia cov neeg siv cov keeb kwm kev them nyiaj rau cov chaw tshaj tawm credit. Ntau lub tuam txhab BNPL tsis tshaj tawm cov ntaub ntawv no tag nrho, uas tuaj yeem muaj "kev cuam tshuam qis rau cov neeg siv khoom thiab kev tshaj tawm qiv nyiaj," CFPB sau tseg. "Nws tuaj yeem yog qhov tsis zoo rau BNPL cov neeg qiv nyiaj uas them nyiaj raws sijhawm thiab tuaj yeem nrhiav kev tsim qiv, vim tias lawv yuav tsis tau txais txiaj ntsig los ntawm qhov cuam tshuam uas cov nyiaj them raws sijhawm yuav muaj nyob rau ntawm daim ntawv qhia txog credit thiab cov qhab nia credit."

Qhov tsis muaj kev tshaj tawm tuaj yeem txhais tau tias cov qiv nyiaj (ob qho tib si BNPL thiab tsis yog BNPL) tsis muaj daim duab tiav ntawm cov nuj nqis npaum li cas tus neeg yuav khoom muaj. Qhov ntawd txhais tau hais tias BNPL cov chaw muab kev pabcuam tseem tuaj yeem muab qiv nyiaj rau cov neeg siv uas twb muaj ntau BNPL qiv, ua rau lawv muaj kev phom sij tsis tuaj yeem them nyiaj rov qab, raws li cov ntaub ntawv. Consumer Reports daim ntawv dawb. Qhov no tuaj yeem ua rau "qib qiv," qhov twg cov neeg siv rho tawm ntau BNPL qiv nyiaj ib zaug, thiab qee zaum, uas ua rau cov nyiaj qiv tsis tau xa mus rau cov neeg sau nuj nqis thiab muaj feem yuav xaus rau ntawm daim ntawv tshabxo nuj nqi, uas lawv tuaj yeem nyob tau xya xyoo, raws li Consumer Reports.

"Ntawm cov neeg uas tsis tau txais ib lossis ntau dua BNPL cov nyiaj them, 21% hais tias lawv cov nuj nqis raug xa mus rau lub koom haum sau nyiaj, thiab 15% hais tias cov nuj nqis tau tshwm sim hauv lawv daim ntawv tshabxo nuj nqi," raws li Consumers Reports. Yuav luag ib nrab (43%) ntawm cov neeg siv BNPL muaj cov qhab nia subprime credit, piv rau 24% ntawm cov neeg uas tsis siv BNPL, raws li tsab ntawv ceeb toom.

Lub tsev qiv nyiaj yog ib kauj ruam tseem ceeb hauv kev txhim kho koj txoj kev noj qab haus huv mus sij hawm ntev. Koj qhov qhab nia credit muaj kev cuam tshuam thoob plaws koj lub neej. Nws tuaj yeem txiav txim siab seb koj puas tsim nyog xauj tsev, ua ib qho tshiab tus tswvcuab ntawm Congress tsis ntev los no tau kawm. Koj qhov qhab nia credit txiav txim siab loj npaum li cas ntawm cov tsev qiv nyiaj koj tuaj yeem tau txais thiab yuav pheej yig lossis kim npaum li cas los qiv cov nyiaj ntawd. Credit kuj yog ib qho tseem ceeb ntawm qhov koj them nyiaj qiv tsheb thiab tsev thiab kev tuav pov hwm tsheb. Nws tuaj yeem ua lub luag haujlwm hauv koj qhov kev cia siab rau txoj haujlwm (qee tus tswv ntiav ua haujlwm credit) thiab tseem cuam tshuam koj lub neej sib deev. 

Matt Schulz, tus kws tshuaj ntsuam xyuas credit ntawm Lending Tree tau hais tias "Muaj ob peb yam hauv lub neej uas kim dua li cov credit crummy." Nws tuaj yeem ua rau koj raug nqi ntau txhiab thiab ntau txhiab daus las hauv lub xyoo ntawm kev txaus siab thiab tus nqi, nws tau sau tseg. "Zoo credit yog ib qho ntawm cov khoom uas tsis tas yuav muaj teeb meem, tab sis thaum nws ua, nws yeej ua tau tiag tiag."

credit cards tsis yog yuav tsum tau los tsim koj cov qhab nia credit, tab sis siv lawv thiab them cov nqi raws sij hawm yeej pab tau. (Lub tswv yim: Yog tias koj ntshai tsam qhib koj thawj daim npav rho nyiaj, pib los ntawm kev siv ib qho xwb los them tus nqi pheej yig txhua hli ntawm autopay. Qhov ntawd yog ib txoj hauv kev yooj yim los tsim cov ntaub ntawv ntawm kev siv credit, Schulz tau hais.)

Cov npav rho nyiaj kuj feem ntau muab kev pabcuam rau cov neeg siv khoom ntau dua li BNPL. Kev xa rov qab feem ntau yooj yim dua, thiab qee qhov kev thov kev tiv thaiv kev yuav khoom uas yuav hloov cov khoom raug nyiag lossis puas tsuaj rau ib lub sijhawm. Qee tus tuaj nrog kev pov hwm kev mus ncig uas yuav rov qab tau koj yog tias qhov kev mus txawv tebchaws raug tso tseg. Thiab tom qab ntawd muaj lub ntiaj teb ntawm credit-card cov ntsiab lus, khoom plig thiab nyiaj rov qab. (Qee lub tuam txhab BNPL kuj tau pib muab cov kev pab cuam khoom plig.) Qee daim npav rho nyiaj kuj muaj kev tshwj xeeb xws li cov nyiaj tshwj xeeb rau npe, lossis 0% paj rau lub sijhawm pib, lossis APRs qis yog tias koj hloov qhov nyiaj tshuav. 

Puas yog kuv qhov kev txiav txim siab zoo tshaj rau koj?

Ntawm qhov tod tes, raws li tau hais los saum no, cov nuj nqis credit-card tuaj yeem ua tus nqi nyiaj txiag. Bell hais tias "Ntau tus neeg tau raug mob los ntawm daim npav rho nyiaj," thiab qhov ntawd ua rau BNPL ntxim nyiam rau qee tus neeg yuav khoom. 

Schulz tau hais tias "BNPL siv cov cua kub ntau rau ntau qhov laj thawj thiab tsim nyog, tab sis qhov tseeb yog, yog tias koj siv BNPL ntse nws tuaj yeem yog qhov zoo tiag tiag," Schulz tau hais tias "Nws muab rau koj qiv nyiaj luv luv uas tsis muaj paj laum. tuaj yeem pab cov neeg uas tsuas yog xav tau sijhawm me ntsis ntxiv los yuav ib yam dab tsi. " (Qee qhov kev pabcuam BNPL them cov paj laum; xyuas cov ntawv luam zoo.)

Nrog BNPL, muaj lub teeb nyob rau qhov kawg ntawm cov nuj nqis, vim tias koj tau them koj cov kev yuav khoom hauv ob peb teev. Qhov kev teeb tsa no tuaj yeem thov rau cov neeg uas tau raug hlawv los ntawm kev them nyiaj qiv nyiaj rau cov tub ntxhais kawm uas tsis muaj qhov kawg, Rossman tau hais.

Tab sis ua nrog ceev faj. Ib qho kev xav tsis zoo txog BNPL cov kev pabcuam yog tias lawv txhua tus tib yam, Schulz tau hais. Txhua tus muaj cov ntsiab lus sib txawv, yog li xyuas kom koj paub tias koj tau txais dab tsi ua ntej koj sau npe.

BNPL kev lag luam, uas luam tawm lus teb rau CFPB tsab ntawv ceeb toom, hais tias nws tab tom muab ib qho kev xaiv tsis muaj fuss, tsis muaj-muss. "Cov neeg siv khoom tau xaiv yuav tam sim no, them nyiaj tom qab vim tias nws yog tus nqi qis dua, siv tau yooj yim dua rau cov khoom lag luam credit," tus cev lus rau Lub Koom Haum Nyiaj Txiag Technology, pawg lag luam BNPL, hais rau MarketWatch. "BNPLs yog xoom-rau-qis kev xaiv nrog cov ntsiab lus them rov qab yooj yim nyob rau ntawm rau mus rau yim lub lis piam. Tsis zoo li cov khoom qub txeeg qub teg, BNPL cov phiaj xwm txiav cov neeg siv lig tawm ntawm qhov kev pabcuam tam sim, yog li cov neeg siv khoom tsis nkag mus rau hauv cov voj voog ntawm cov nuj nqis rov qab. "  

Related: MarketWatch Cov Tswv Yim Tshiab Zoo Tshaj Plaws hauv Nyiaj Podcast: Yuav tam sim no, them mus tas li?

Qhia rau peb hauv cov lus hais tias qhov kev xaiv twg yuav tsum yeej nyob rau hauv qhov nyiaj txiag Face-off. Yog hais tias koj muaj tswv yim rau yav tom ntej Financial Face-off kab, xa kuv email ntawm [email tiv thaiv].