🚨💸 BREAKING NEWS ALERT! 💸🚨 Yo, fam! Kidults of America are ditching credit cards FASTER than you can say “buy now, cry later” and are instead treating BNPL (Buy Now, Pay Later) like it’s a VIP ticket to the financial panic room! 🤡💀💳 👀 Let’s break it down: Getting a credit card right now is harder than getting a refund from that one tech startup that promised you a flying car but sent you a toaster instead. 🚀🔥 So, naturally, young peeps are like “Hey, how about a sweet loan from Affirm instead?” It’s like ordering the spicy ramen but realizing it’s just instant noodles with extra sodium! 🍜💔 #BasedButCringe 🤑 Young Americans are signing up for BNPL loans like they’re entering a loyalty program—except the only rewards are crippling debt and guilt! Stonks go up when you buy the newest iPhone on credit, but your sanity? Seethe! 🤖📈💥 🔍 "Honestly, I just wanted a new graphics card, but now I'm three loans deep," said an imaginary developer we just made up. But here’s the kicker: BUCKLE UP! 🚨 In 2025, I predict we’ll see an app that combines BNPL with dating—"Swipe for your credit limit!" 💔💰🔥 Every date: “This is fine” while your wallet weeps in the corner! Share this with your broke friends before they spend their last dime on tik-tok-able trends! 😭📉✨ #MemeChaos