They use BNPL and credit cards. BNPL is a way to get more credit when your credit score is low and/or your utilization is high. According to the Boston Fed[1]

They use BNPL and credit cards. BNPL is a way to get more credit when your credit score is low and/or your utilization is high. According to the Boston Fed[1] BNPL users "tend to have low credit scores, minimal liquid assets, high incidences of past bankruptcy filing, and revolving debt on their credit cards." 1: https://www.bostonfed.org/publications/current-policy-perspectives/2024/buy-now-pay-later-who-uses-it-why.aspx https://www.bostonfed.org/publications/current-policy-perspe...