Na-experience mo na ba na habang nag scroll ka ng social media feed mo eh may nag appear na ad bout an item na matagal mo nang gustong makuha or iregalo sa mahal mo.After clicking the ad, napansin mo na ang mahal pala nung item na yun and hindi mo na ma-afford kasi sira na budget mo this month because of the holiday season!But wait, there’s more!Merong banner sa baba that says, Buy Now, Pay Later with 4 easy interest-free payments!Napaisip ka bigla…. instead na 1000 dirhams, 250 na lang! sigu...