Buy Now, Pay Later can make everyday purchases feel more manageable, but what happens when you miss a payment? As BNPL payment behavior is set to be reported to credit bureaus from February 2027, we look at the consequences of missed payments, what consumers should do if they fall behind, and when multiple installments could signal a deeper affordability problem. Africa Melane speaks to Samantha Moyana, Debt Counsellor at National Debt Advisors.

Early Breakfast with Africa Melane is 702’s and CapeTalk’s early morning talk show. Experienced broadcaster Africa Melane brings you the early morning news, sports, business, and interviews politicians and analysts to help make sense of the world. He also enjoys chatting to guests in the lifestyle sphere and the Arts. All the interviews are podcasted for you to catch-up and listen. 
 
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Buy Now, Pay Later can make everyday purchases feel more manageable, but what happens when you miss a payment? As BNPL payment behavior is set to be reported to credit bureaus from February 2027, we look at the consequences of missed payments, what consumers should do if they fall behind, and when multiple installments could signal a deeper affordability problem. Africa Melane speaks to Samantha Moyana, Debt Counsellor at National Debt Advisors.
Early Breakfast with Africa Melane is 702&rsquo;s and CapeTalk&rsquo;s early morning talk show. Experienced broadcaster Africa Melane brings you the early morning news, sports, business, and interviews politicians and analysts to help make sense of the world. He also enjoys chatting to guests in the lifestyle sphere and the Arts. All the interviews are podcasted for you to catch-up and listen.&nbsp; &nbsp; Thank you for listening to this podcast from Early Breakfast with Africa Melane&nbsp;
&nbsp;
For more about the show click&nbsp; <a href="https://buff.ly/XHry7eQ">https://buff.ly/XHry7eQ</a> and find all the catch-up podcasts here <a href="https://buff.ly/XJ10LBU">https://buff.ly/XJ10LBU</a>&nbsp; &nbsp; Listen live on weekdays between 04:00 and 06:00 (SA Time) to the Early Breakfast with Africa Melane broadcast on 702 <a href="https://buff.ly/gk3y0Kj">https://buff.ly/gk3y0Kj</a> and CapeTalk <a href="https://buff.ly/NnFM3N">https://buff.ly/NnFM3N</a>&nbsp; &nbsp; Subscribe to the 702 and CapeTalk daily and weekly newsletters <a href="https://buff.ly/v5mfetc">https://buff.ly/v5mfetc</a>&nbsp; &nbsp; Follow us on social media:&nbsp; &nbsp; 702 on Facebook: <a href="https://www.facebook.com/TalkRadio702">https://www.facebook.com/TalkRadio702</a>&nbsp; 702 on TikTok: <a href="https://www.tiktok.com/@talkradio702">https://www.tiktok.com/@talkradio702</a>&nbsp; 702 on Instagram: <a href="https://www.instagram.com/talkradio702/">https://www.instagram.com/talkradio702/</a>&nbsp; 702 on X: <a href="https://x.com/Radio702">https://x.com/Radio702</a>&nbsp; 702 on YouTube: <a href="https://www.youtube.com/@radio702">https://www.youtube.com/@radio702</a>&nbsp;
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Your early morning chat - traffic - news fix delivered in a relaxed manner. weekdays from 4 am to 6 am.

Early Breakfast with Africa Melane

Your early morning catch-up with chat, traffic and news delivered in a relaxed manner. weekdays from 4 am to 6 am.

Your early morning catch-up with chat, traffic and news delivered in a relaxed manner. weekdays from 4 am to 6 am.

Finance: This is what happens when you miss a Buy Now, Pay Later payment

https://api.omny.fm/orgs/5dcefa8e-00a9-4595-8ce1-a4ab0080f142/clips/f7253b0d-274d-4597-acba-b4cf00339593/transcript