船长陪你说英语出品
日积“阅”累
口语和写作表达的来源
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Quotes of the Day 日积“阅”累
点击视频 观看更详细解说
你是否有遇到过Buy now, pay later（先用后付）的支付方式？在线上购物节的时候，各类促销手段都会应运而生。今天和大家分享一篇提醒大家不要这样做的新闻，你怎么看？
High late fees
The biggest danger with buy now, pay later is missing one of the
recurring payments. If you fail to make an installment on time,
you'll typically be hit with a late fee of $7 or more from the lender.
And those fees can really add up quickly if you miss multiple
payments.
Unexpected interest charges
Buy now, pay later plans are marketed as interest-free financing.
However, in many cases, that 0% interest offer only applies if you
pay off the full balance by a specific due date.
Impact on credit scores
Even though buy now, pay later isn't a traditional credit card or
loan, the lenders do report payment activity to the credit bureaus.
So if you miss payments or default on the instalment plan, it can
cause damage to your credit score that makes it harder to get
approved for mortgages, auto loans, credit cards, and other
financing down the road.
Limited purchase protections
When you use a credit card, you get valuable purchase
protections like extended warranty coverage, price protection,
and the ability to dispute fraudulent charges. Buy now, pay later
plans generally don't come with these safeguards. This means
you're on the hook if something goes wrong with the Prime Day
purchase or the retailer doesn't make things right.
（节选自Hacker Life网站）
这段新闻中有两处很好的表达：
"Down the road" 是一个英语中的常用表达，意思是“将来”、“以后”或“未来某个时间”。它通常用于指某个事情在未来的时间点可能会发生，或可能会带来的后果或变化。
🌰 You might not see the benefits of this decision right now, but you’ll appreciate it down the road.
你现在可能看不到这个决定的好处，但以后你会感激它的。
🌰 I’m not sure if I want to move abroad now, but maybe down the road, I’ll consider it.
我现在还不确定是否要移居国外，但也许将来我会考虑。
"You're on the hook" 是一个英语短语，意思是“你有责任”、“你必须承担责任”或“你负有义务”。通常用来表示一个人处于一种必须履行承诺、面对后果或负担责任的状况，类似于“你逃不掉了”或“你要负责”。
🌰 After promising to organize the event, I'm on the hook to make sure everything goes smoothly.
在承诺组织这个活动之后，我就必须确保一切顺利进行。
🌰 He's on the hook for the project deadline, so he’s been working late every day.
他要对项目的截止日期负责，所以他每天都在加班。
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