Almost half of U.S. adults who use buy now, pay later products have experienced at least one financial problem, according to results of a survey from the consumer financial services company Bankrate and the market research firm YouGov. Bankrate and YouGov surveyed 2,354 U.S. adults between March 19 and 21. Of those who participated, about 30% said they had used at least one buy now, pay later service. Of those who used BNPL services, 49% of those surveyed reported at least one financial issue: 24% said they outspent their budget, 16% noted missing a bill payment after making a BNPL purchase, 15% regretted a BNPL purchase and 14% said they had a problem with a refund or a return. Taking out multiple buy now, pay later services at a time is among the biggest warning signs, Ted Rossman, senior industry analyst for Bankrate said, because BNPL is used most frequently by financially vulnerable populations such as the working class and young people. “People find this a valuable payment method to spread out their cash flow. The problem is if you overdo it and you lose sight of how much you spent. That’s concerning because it shows how close to the edge people are,” he said.