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Black Friday and Christmas Day are both on their way, and as the festive season kicks off in full force, many Brits are looking to stock up on Christmas pressies, festive fashion and snacks galore.

This often means some people turn to a scheme known as buy now, pay later (BNPL), which allows you to spread the cost of a purchase without paying interest.

While this can be a handy tool over the Christmas period, shoppers are being urged to be mindful when using this feature as this type of credit is often not as "harmless" as people think.

It is with no doubt millions of pounds will be spent on Black Friday, with Brits reaching for the trusty Klarna or Clearpay option to snag a couple of bargains.

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