Why You’re Getting Quietly Fleeced by “Buy Now, Pay Later”… And the Dead-Simple Switch That Gives You Way More Time and Zero Interest—Without Changing Anything Else You Do

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If you’re still tapping “Buy Now, Pay Later” at checkout like it’s some kind of life hack, congratulations—you’re the mark. Those “4 interest-free payments” feel free until you realize you’re getting 6 weeks of float while the truly smart people are getting 15–21 months of actual free money with real credit cards. You’re playing checkers while everybody else is playing chess. Right now—today—name brand banks are handing out legitimate 0% intro APR cards with 15- to 21-month no-interest periods.

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