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  _  _    __   __    _____     ______    _  _   
 | \| ||  \ \\/ //  |__  //   /_   _//  | \| || 
 |  ' ||   \ ` //     / //     -| ||-   |  ' || 
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 |_|\_||    |_||    /_____||  /_____//  |_|\_|| 
 `-` -`     `-`'    `-----`   `-----`   `-` -`

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Text this: The 'buy now, pay later' mentality : credit/charge cards