Retailers promote layaway as Christmas season nears

Credit counselor says old-fashioned layaway offers a way to avoid accumulating credit card debt.

BY JENNIFER PALMER Published: September 23, 2012

In stores that offer layaway, it’s beginning to look a lot like Christmas.

A manager at Kmart in Shawnee said since Wednesday the entire Christmas section was stocked, and shoppers have reported seeing trees, holiday decor and more at Walmart stores even though Christmas is 14 weeks away.

Layaway’s comeback...

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Considering layaway?

Key questions to ask:

•How much time do I have to pay off the item?

•How much do I have to put down?

•Are there any storage or service plan fees?

•When are the payments due?

•What happens if I miss a payment? Are there penalties? Does the item return to inventory?

•Can I get a refund or store credit if I no longer want the item after making a few payments?

•What happens if the item goes on sale after I’ve put it on layaway?

Source: Better Business Bureau

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