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How to Use Buy Now, Pay Later Wisely

"Buy now, pay later" plans are popular for their convenience and lack of interest or credit checks. However, they are considered installment loans and must follow credit card regulations. To use them wisely, ensure purchases are affordable, avoid relying on them for necessities, and stay organized with due dates. Multiple plans can lead to financial strain and impact credit negatively. Carefully review terms, choose payment methods wisely, and be aware of potential fees to avoid surprises.

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Jason R. Richardson and the Richardson Lending Team at City First Mortgage are dedicated to closing your residential, construction or commercial financing loans. Jason is a second-generation mortgage banker. The Richardson family has been a pillar of the California lending community for over 40 years.

Jason specializes in digital marketing strategies and founded a digital marketing agency Richardson Digital Media™. Richardson Digital Media™ has quickly become a preferred marketing provider for real estate companies and nationwide mortgage lenders. Jason has won 9 President’s Circle of Excellence Awards for loan production over his career and was most recently honored as one of National Mortgage Professional Magazine’s 40 Under 40: The 40 Most Influential Mortgage Professionals and Most Connected+ Mortgage Professionals.

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