and it can allow you to return unwanted items without having to wait ages for a refund. but some campaigners are worried it encourages spending and could end up with people getting into debt. that s because, at the moment, the market is not yet regulated in the same way as things like credit cards. the government has launched a consultation on new rules. that closes next month but actual changes could still be a year or so away. in the meantime, more and more people are using buy now pay later. the bbc has learned there are more than 17 million buy now pay later customers in the uk that s doubled during the pandemic. chinelo is one of them. she started using it to buy clothes and now wants to offer the same service to customers of her cake decorating courses. it was pretty straightforward. i got a text message letting me know when i needed to pay and they send you reminders. we started to come out of