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BirthTouch: Questions and Concerns

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BNPL apps work in coordination with the merchant that you are purchasing from. Most do not charge interest as long as you make the scheduled payments on time. If you miss a payment, you may be charged interest and a late fee. The BNPL app earns a fee from the merchant for processing the transaction, similar to how a credit card transaction works. It's a win-win situation because the customer receives their product today, the merchant makes a sale that might not otherwise have happened, and the BNPL app earns a fee for handling the financing."}},"@type": "Question","name": "Can Buy Now, Pay Later Apps Help You Build Credit","acceptedAnswer": "@type": "Answer","text": "If your BNPL app reports to credit bureaus, then your positive payment history will help build your credit score. For example, Perpay customers increase their credit score by an average of 39 points. However, many of these BNPL loans are short-term in nature and, therefore, don't create a payment history that is long enough to report to the credit bureaus.","@type": "Question","name": "What Credit Score Do You Need to Use a Buy Now, Pay Later Service","acceptedAnswer": "@type": "Answer","text": "There is no set credit score required to use a BNPL app. There are many BNPL apps to choose from. While some perform a soft inquiry to check your credit, many others do not require a credit check at all. Even if you have bad credit, services that do not require a credit check enable you to shop today and pay over time by using alternative methods to determine your credit limit.For example, Zebit has a two-step underwriting process. First, they verify your identity, income, and employment to establish your initial spending limit. Then, each attempted purchase is underwritten at checkout to determine whether or not you can complete the transaction."]}]}] When you visit the site, Dotdash Meredith and its partners may store or retrieve information on your browser, mostly in the form of cookies. Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site.


Katie Miller is a consumer financial services expert. She worked for almost two decades as an executive, leading multi-billion dollar mortgage, credit card, and savings portfolios with operations worldwide and a unique focus on the consumer. Her mortgage expertise was honed post-2008 crisis as she implemented the significant changes resulting from Dodd-Frank required regulations.


While the Better Business Bureau gives Affirm an A- rating (you can read more about the BBB rating process here), customer reviews are not so good. It has a 1.16/5 average rating based on over 700 customer reviews on the BBB website at the time of writing. The customer complaints range from not being able to get ahold of customer service to not being able to obtain a refund.


Much like the other POS providers in this round-up, Afterpay has poor customer service reviews on the Better Business Bureau website. It had a 1.17/5 average rating based on 398 customer reviews at the time of writing. Many of the customer complaints focused on canceled orders from the merchant or failure to receive a refund from Afterpay. BBB gives Afterpay a B rating based on its own rating system.


Who's this for Sezzle, a Minneapolis-based buy now, pay later provider, is best for people who want a short-term loan, no interest, no reporting to the credit bureaus and flexible payment dates. It's one of the few BNPL providers that allow customers to reschedule one payment per purchase.


When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday\u00ae Card from American Express\u00a0apart from the rest\nThis card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.\n"},"title":"Pros & Cons","pros":"\r\n \t3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.\r\n \t3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.\r\n \t3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.\r\n \tMonthly credit towards The Disney Bundle\r\n \tMonthly credit towards Home Chef\r\n","cons":"\r\n \tRewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.\r\n","title":"Card Highlights","welcomeBonus":" Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. No Annual Fee. Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.74% to 29.74% variable APR. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required. Terms Apply.","cardCategories":["id":107610,"text":"Credit Card Reviews","link":"\/credit-cards\/reviews\/","id":18,"text":"Best Cash Back Credit Cards","link":"\/credit-cards\/cash-back-credit-cards\/","id":84,"text":"Credit Cards with No Annual Fee","link":"\/credit-cards\/no-annual-fee-cards\/"],"financialSnapshot":["id":1,"text":"Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars"],"title":"More Reads","html":"Find the $250 Welcome Offer for the Amex Blue Cash Everyday CardBenefits of the Blue Cash EverydayAmex Blue Cash Everyday vs. Amex Blue Cash PreferredAmex Blue Cash Everyday vs Chase Freedom UnlimitedAmex Gold vs Blue Cash EverydayAmex Blue Cash Everyday vs Chase Freedom FlexBest 0% Interest Credit CardsBest Credit Cards for Groceries and SupermarketsBest Everyday Credit CardsBest Credit Cards for Authorized Users"],"aprText":"0% intro APR on purchases for 15 months from the date of account opening. After that, 18.74% - 29.74% variable APR."})) document.getElementById('table-1956891056').setAttribute('data-react', JSON.stringify("goLink":"https:\/\/upgradedpoints.com\/go\/AmexBlueCashPreferred_addSource\/TRD\/8922\/dilcg.sjon\/dicsm.sjon","reviewLink":"https:\/\/upgradedpoints.com\/credit-cards\/reviews\/american-express-blue-cash-preferred\/","rating":"4.55","cardThumbnail":"https:\/\/upgradedpoints.com\/wp-content\/themes\/upgp\/img\/cards\/impact\/2726_796.png","cardTitle":"Blue Cash Preferred\u00ae Card from American Express","shortReview":"This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations. ","annualFee":"$0 intro annual fee for the first year, then $95.","belowButtonText":"(at Amex's secure site)","welcomeBonusPoints":"$250","creditRecommended":"Good to Excellent (670-850)","welcomeBonusSummary":"Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.","redBadge":null,"orangeBadge":null,"provider":"American Express","ratesFeesLink":"https:\/\/upgradedpoints.com\/go\/AmexBlueCashPreferredTCCRF","ratesFeesText":null,"ratesFeesEnable":null,"editLink":null,"bulletPoints":"\n Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. \n $0 intro annual fee for the first year, then $95. \n Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It\u00ae to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. \n Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.74% to 29.74% \n 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). \n 6% Cash Back on select U.S. streaming subscriptions. \n 3% Cash Back at U.S. gas stations and on transit (including taxis\/rideshare, parking, tolls, trains, buses and more). \n 1% Cash Back on other purchases. \n Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required. \n Terms Apply.\n\n","bonusValuation":null,"disableCardArtLink":false,"accordions":["title":"Why We Like This Card","html":"The Blue Cash Preferred\u00ae Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.\nWith bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!\n","title":"Pros & Cons","pros":"\r\n \t6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services\r\n \t6% cash-back on select U.S. streaming subscriptions\r\n \t3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)\r\n \t1% cash-back on all other purchases\r\n","cons":"\r\n \t$0 intro annual fee for the first year, then $95 annual fee (rates and fees)\r\n","title":"Card Highlights","welcomeBonus":" Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. $0 intro annual fee for the first year, then $95. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It\u00ae to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.74% to 29.74% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations and on transit (including taxis\/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required. Terms Apply.","cardCategories":["id":107610,"text":"Credit Card Reviews","link":"\/credit-cards\/reviews\/","id":18,"text":"Best Cash Back Credit Cards","link":"\/credit-cards\/cash-back-credit-cards\/"],"rewardsCenter":"Redeem cash-back through your American Express account","financialSnapshot":["id":1,"text":"Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars."],"title":"More Reads","html":"Find the $300 Welcome Offer for the Amex Blue Cash Preferred Card [Current Public Offer is $250]Find The No Annual Fee Welcome Bonus Offer for the Amex Blue Cash PreferredBenefits of the Amex Blue Cash PreferredStreaming List for the Blue Cash PreferredAmex Blue Cash Everyday vs. Amex Blue Cash PreferredChase Sapphire Preferred vs Amex Blue Cash PreferredAmex Gold vs Blue Cash PreferredBest American Express Credit CardsBest Credit Cards for Groceries and SupermarketsBest Credit Cards for Bills and UtilitiesBest Credit Cards for CouplesBest Everyday Credit Cards"],"aprText":"0% intro APR on purchases for 12 months from the date of account opening, then a variable APR, 18.74% - 29.74%")) Alternatively, if travel is your thing then consider the Chase Sapphire Preferred Card that is one of the best (if not the best) travel rewards cards on the market. 59ce067264






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