When explaining credit to a friend, which of the philosophy can you use?

Buy now, pay later

Buy later, pay now

Don't worry about paying back

none of the above

Buy now, pay later is the Philosophy that i will use when explaining about credit to a friend

Explanation:

The philosophy of the credit card is based on the credit cycle. (i. e Buy Now, Pay Later) That means that if you don't have cash-in - hand then you only need to make payment through credit card and then when you have money the amount spend gets debited from your bank Account. The credit card follows a 50 days credit cycle