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It’s getting a lot easier to pay in installments.

“Maurie Backman, who authored the report, said the two most popular reasons were to avoid credit card interest and to make purchases that otherwise wouldn’t fit into people’s budgets. That can be risky, said Ira Rheingold, executive director of the National Association of Consumer Advocates. ‘“You’re creating incentive for people to buy things that they can’t afford,’ Rheingold said.”