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14 million UK adults are now using buy now, pay later services and 1 in 4 will be using it or credit cards to help pay for their Christmas spending. When money is tight, it's an attractive service that offers a short term interest-free solution, but finance expert Iona Bain explains why you've got to go carefully.

From leaving a mark on your credit score to spiralling late repayment fines, she shares why buy now, pay later services need tighter regulation to protect consumers from falling into debt and suggests other options available than going for one.

To see this video with subtitles, go to 麻豆官网首页入口 iPlayer and search for Monrning Live on 06/11/23.