In my country credits are not given so easily. There are payment delays as you say, like buy now and pay four or six months from now but not very often.
If you need a larger credit, you have to go through a lot of trouble to get it and you may not in the end.
It's a different culture, different financial situation.
With this crisis it's going to get even worse. Many are not going to be able to pay back what they owe and then things get ugly.

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