Payment Methods

Cash

• Pros: Budget control, universally accepted in-person
• Cons: Unsafe in large amounts, not usable online

Debit Cards

• Pros: Avoid overspending, no interest
• Cons: Limited consumer protection, fraud risk

Credit Cards

• Pros: Borrow funds, rewards, build credit
• Cons: High interest, potential debt, fees

Alternatives

• Rent-to-Own: No credit check, higher total cost
• Store Credit: In-store financing, possible interest/fees
• Installment Agreements: Fixed payments, used for various purchases

Layaway: Reserve items, pay over time without interest