The Clark Howard Podcast 03.02.26 Buy Now, Pay Later aka Pay-In-4 / Ask Your Pharmacist
9 snips
Mar 2, 2026 Buy-now-pay-later schemes and why they can lure you into overspending and credit trouble. The growing doctor shortage and how pharmacists are stepping in as accessible health advisors. Concerns about software longevity in electric vehicles and what that means for owners. Tips on lemon laws, fixing LexisNexis errors, and safe account access while traveling.
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Avoid Buy Now Pay Later Temptations
- Avoid Pay-In-4 and similar buy-now-pay-later offers when tempted at checkout.
- Clark Howard warns the psychology of "four easy payments" leads consumers to overspend and miss payments, risking credit damage and fees.
Christa's Peloton Pay In Four Story
- Christa admitted she used Pay-In-4 for a Peloton but paid it off early at 0% interest.
- Clark Howard and Christa discuss listener criticism and the tension between ideal advice and real choices.
Use Lemon Law Quickly For Defective Leases
- If a leased vehicle has repeated defects, start your state's lemon law process immediately.
- Clark Howard notes lemon law gives manufacturers a chance to fix issues and can lead to expedited buyback if problems persist.