National Survey: Growing Number of Payment Options Could Make It More Challenging for Middle-Income Families to See Full Financial Picture
Business Wire•14/10/2026•00:00 ET
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Key Highlights
- ➤BNPL use rose to 44%, up from 28% in September 2025
- ➤68% report little or no monthly budget flexibility
- ➤69% say income has fallen behind the cost of living
- ➤Only 26% typically pay monthly credit card statements in full
- ➤35% report credit card debt increased during the past three months
Expert Statements
Glenn J. Williams, CEO of Primerica
“Services that make purchases more convenient and flexible can also make it more challenging for households to see the complete financial picture,”
Glenn J. Williams, CEO of Primerica
“When spending is spread across monthly subscriptions, installment plans, credit cards and automatic payments, it’s easier to overlook where money is going and miss opportunities to make adjustments that could strengthen a household’s financial position.”
Glenn J. Williams, CEO of Primerica
“Financial confidence starts with visibility,”
Glenn J. Williams, CEO of Primerica
“When families have a clear view of their spending, savings and debt obligations, they’re better positioned to make informed decisions. A financial professional can help families bring those moving pieces together, identify opportunities that may otherwise be overlooked and create a financial game plan that helps families regain control of their financial future.”
National Survey: Growing Number of Payment Options Could Make It More Challenging for Middle-Income Families to See Full Financial Picture
68% report little to no flexibility in monthly budgets as Buy Now, Pay Later and recurring subscriptions fragment household spending and create financial blind spots
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