Consumer Reports conducted an online discussion board on buy now, pay later (BNPL) services from January 24-26, 2023. Schlesinger Group (now Sago) hosted the study using its QualBoard platform. The purpose of the study was to gather detailed qualitative information on consumer experiences with buy now, pay later services, reviewing a variety of types of experiences and, in particular, problems that people may have had. Previous research has shown that issues with BNPL can have a substantial financial impact on individuals. Our goal was to take an in-depth look at the effects of BNPL on people’s lives and to learn about the on-the-ground realities of BNPL use, particularly heavy use.