Besides the common feature of interest-free instalment payments (interest or handling fee will be charged for late payments), another factor contributing to the popularity of BNPL products is smart market positioning. Some online shopping platforms place BNPL alongside other payment methods such as credit cards, and consumers may perceive BNPL as just another payment option. With such packaging, some consumers may unintentionally spend beyond their means. If they cannot make the repayment in the end, their credit records may even be affected.