If you've bought something via Buy Now Pay Later (BNPL) since the summer, then you'll have been tested to see if you can afford it.
BNPL has always been a type of loan, usually paid back in instalments, but it's only been officially regulated since July.
This means stricter background checks on your ability to repay.
If you fail, then your purchase via BNPL will be blocked. If there's a chance of this happening to you, here are some ways to approach the situation.
BNPL lenders - such as Klarna, Clearpay and others - must now have regulator approval to operate, giving shoppers more access to refunds and independent rulings on complaints if things go wrong.