Catalogue companies sometimes offer customers a chance to Buy Now and Pay Later.

The concept is pretty easy to understand, the more you spend the longer the buy now pay later period is offered.

Buy now pay later means you can order goods up to your credit limit and make no repayments what so ever for that period. Usually 3, 6 or 12 months. Interest is deferred, this means that if you was to make repayment in full before the buy now pay later period expires you will pay absolutely no interest.

However, if you clear 99% of the balance and have just 1% of the balance remaining when the buy now pay later period ends the entire interest will be added to your account, this can work out very expensive.

Buy now pay later can be good for people who are 100% sure they can clear the entire balance before the expiry date.

You can make payments as and when you like or all at once just before the period ends.

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