Advantages of the Buy Now Pay Later Option

The ‘buy now pay later’ option has made shopping even more fun than it ever has been―an unabashed reflection of the consumerist society we live in today. Have you ever experienced the disappointed feeling when you just fell in love with a dress that you felt you must have, only to discover that you had run out of funds? However, now with the order now pay later choice, also called credit shopping, you can go right ahead and buy anything that catches your fancy and pay for it later.

Makes Shopping Faster
It is many online stores that have made buy now pay later shopping even more convenient, by allowing online shoppers to opt for the ‘bill me later’ option when they checkout. The experience with the bill me later option is really simple to use. Most of us lead busy lives; this is the reason why we opt for online shopping. This option makes purchasing through your computer faster than ever before.

No Need to Provide Account Numbers
The process is really fast because of the fact that you need not worry about giving your account numbers, and neither is there any waiting involved. The information that you are obliged to give with the bill me later feature is superficial, which you would have memorized anyway. This is why most impatient shoppers find this option such a boon.

It is Secure
When shopping online, most shoppers want to feel secure. Many people experience a nervous feeling every time they have to enter their account information online, particularly of late with all identity theft cases that have been brought to light. However, with this option, there is no need to give any personal information.

It Offers Attractive Credit Options
Another convenience that many stores offer is credit facilities, such as not having to pay from 90 to 120 days. In fact, some stores also waive off the interest if payments are made within 90 days. These facilities are usually offered on purchases over a certain amount, which can vary from USD 100 to even up to USD 500, and sometimes even more.

Plenty of Items Available
There are practically endless items that you can buy these days with credit shopping. From clothing items, to accessories, to bed linen, to jewelry, home appliances, to home décor items, to furniture; you name it and you will find it. In fact, many buy now pay later online stores offer myriad products at the same site. All you need to do is choose what you want to buy and simply follow the simple procedures and opt for the bill me later option.

A Word of Caution
Due to the ease of buying, you can easily end up spending beyond your means. Some day, you will have to find the money to pay off the credit card bill or the overdraft. One way to avoid that is to pay off your full bill every month. This is highly recommended, otherwise you will have to pay the interest charges if the balance is carried over from one month to another. But, buy now pay later also has the added convenience of letting you pay in installments instead of having to pay off the whole bill at one shot.

In conclusion, it must be said that the buy now pay later option provides you with great convenience due to its flexibility of making deferred payments. It even allows you to make purchases of expensive products. However, you must use it judiciously and sensibly in order to have fun while you shop to your heart’s content.

Advantages and Disadvantages of Internet Shopping

You open the latest edition of Vogue on your way to office and browse through all those eligible wardrobe additions. Suddenly, you land on these awesome pair of Gucci pumps that you immediately fall in love with. You check for the code and the item number, and surf the Internet with it. You like them better in the color blue. You check the price and it seems just perfect for those perfect pumps. You check the stores in your city and hope just one store would sell these. To your disappoint and the brands’ as well, there is no store that would help you. However, there is one store in the next state that would still have them in stock. What do you do now? You shop for them via the Internet. Simple! Since it’s so simple, there are more and more people shopping on the Internet. The increase in these online shopping trends brings us to the advantages and disadvantages mentioned below. As you continue reading, you will come across some problems you must have experienced on your own. It is these problems that need a solution to make Internet shopping one of the best ways to shop.

Advantages and Disadvantages of Online Shopping

There is nothing that could ever put an end to Internet shopping, and there is just one reason that people will continue shopping via the Internet, irrespective of the drawbacks. The human need to satisfy a want is stronger than we think. Just like those Gucci pumps made you buy them, there are many others too. When you want something and know you can have it through the Internet, if nothing else, so be it!

Advantages:

Yes, it is an absolute relief to shop sans those irritating vendors. I have nothing against vendors, but they need to understand that they can’t disturb women when they are shopping. You somehow just lose the focus! However, apart from the riddance from vendors, there are more advantages of Internet shopping, as follows

– The best part about Internet shopping is the convenience it provides to the person shopping. Usually, you need to visit a few malls before you find what you have been looking for. On the Internet, you just have to sit in one place and search for what you want until you find it. You get what you want, delivered right to your doorstep. You save money of fuel, the problem of parking your car somewhere, and various other issues. When you shop on the Internet, you don’t have to actually plan your shopping trip as such. If it’s something urgent, you can order it when you’re in office itself!
– When you visit a particular store during your shopping trip, you see the amount of clothes that are possibly going to fit in that store. Any store, selling any number of brands, can sell so only for a limited number. On the Internet, you have unlimited variety and unlimited number of those items too. There is no such thing as ‘out of stock’ on the Internet. If it is shown on the website, it’s available. There is no limited shelf space as such and thus, there is no disappointment.
– When we talk about the advantages and disadvantages of Internet shopping, we have to talk about this one particular advantage. If you have to buy a pair of pants, you will go to the mall and check out a few stores. When you visit the first store, you like what they have to offer but you think you can get better. So you travel some more and visit a few more stores. In the end, you realize that you have to buy from the first shop itself as those were indeed the best out of the lot. This advantage of easy comparison is possible only when you’re shopping online.
– Agreed that you can exchange and return your clothes if you shop from a mall and even if you shop online, if obviously the policies allow so. However, there is no way you can exchange or return what you buy on the days when the stores are closed. This again, you don’t have to worry about with Internet shopping. The exchanging and returning can be done almost anytime you wish to.

Disadvantages:

While talking about these advantages and disadvantages from a customer’s perspective, it’s very important for you to know that there isn’t any grave drawback of Internet shopping. Yes, it does get boring when you shop alone, and have no opinions when you just need them. Or the fact that you will always need a computer to shop online.

– The first thing we need to talk about here is the disclosure of private information. It is very difficult to convince people when it comes to this. You have to shop with your debit or credit card, and have to provide your card details when you shop online. This information is available to the company from whom you buy. Though hardly any companies are frauds, it’s still some valuable information.
– The next drawback of Internet shopping (only in respect to clothes) is that of the fitting. There is no way you can be absolutely sure about how a particular dress or shirt will look on you in reality. There are virtual models on almost each website, but you just can’t ever be sure. This problem doesn’t come in the picture when you talk about shopping other stuff on the Internet, such as airline tickets (which also happen to be one of the hottest selling items on the Internet as of today.)
– It is said that Internet shopping has just started affecting the employment of people at malls and individual stores as well. The problem here is that the forecast says this effect will increase in impact in a few more years. There will be high unemployment in this sector due to Internet shopping. You don’t need people to show you around or to help you select a particular item you need to buy.
– Another drawback here is that people have to pay extra costs for ordering items from another state of country. These include shipping costs too. In most eastern countries, not all the luxury brands are available. People have to pay extra to order them from abroad. Sometimes, there are taxes applicable on these transactions as well.

These were some of the advantages and disadvantages of Internet shopping, that tell you how it isn’t very unsafe to shop on the web. Problems prevail everywhere, even when you shop personally at a store. The convenience and the variety are the two biggest advantages you need to focus on. After all, if you don’t get your stuff anywhere but from the Internet, you surely can’t let go of it, can you?