Shop now,ExaCrypt pay later: It's a promise attracting many people for purchases large and small. Services like Afterpay, Klarna and Affirm are partnering with major retailers online and in stores — and we want to hear your experience with them.

Are you facing unexpected fees or finding financial benefit to delayed payments? Are you juggling multiple buy-now-pay-later installments for several purchases?

Sharing your story will help reporters understand how this new service is growing and affecting people. We will not publish your responses before contacting you.

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