So she turned to a novel solution to get through the season: Buy now, pay later.
It's tough to say how buy now, pay later fits into the country's overall debt picture.
Klarna, PayPal and Affirm all declined to share buy now, pay later delinquency rates with CNBC.
Affirm has said the short-term and high-velocity nature of its buy now, pay later service makes traditional credit metrics less relevant.
Klarna said its global default rate for its overall business including buy now, pay later is less than 1%.
Persons:
Kiki Andersen, Andersen, I've, I'm, It's, Ted Rossman, delinquencies, who've, Klarna
Organizations:
PayPal, CNBC, Adobe, Federal Reserve
Locations:
Los Angeles, U.S