Online retailers have begun to notice that more and more shoppers in the United States are opting for deferred payment when shopping for any stuff online. This can be explained by the difficult economic situation during the crisis, when many Americans were left without work and basic income. Such a service to buy things on credit with the ability to pay for purchases after a few months and a maximum term of up to 3 years appeared long ago on the US market. Moreover, despite the lack of funds, customers of the online store bought more than usual, expecting to pay later. Financial experts explains this by human psychology. People spend more money when they don’t have to pay right away. The number of retailers providing services on credit began to grow even before the crisis, both in the luxury and mass segments. The pandemic, in turn, pushed Americans to…