More shoppers than ever are on track to use ‘buy now, pay later’ plans this holiday season, as the ability to spread out payments looks attractive at a time when Americans still feel the lingering effect of inflation and already have record-high credit card debt.

The data firm Adobe Analytics predicts shoppers will spend 11.4 percent more this holiday season using buy now, pay later than they did a year ago. The company forecasts shoppers will purchase $18.5 billion worth of goods using the third-party services for the period of November 1 to December 31, with $993 million worth of purchases on Cyber Monday alone.

Buy now, pay later can be particularly appealing to consumers who have low credit scores or no credit history, such as younger shoppers, because most of the companies providing the service run only soft credit checks and do not report the loans and payment histories to the credit bureaus, unlike credit card companies.

Ingratitude is an integral part of society. If you ask most people if they are ungrateful, they will probably reply, “Of course not!” However, this attitude is so ingrained in their lives, they cannot openly admit—or even realize—that they are ungrateful.

But how can you tell if you are ungrateful? Are there things that identify ingratitude? And if so, what can you do about it?

Merriam-Webster Dictionary define “ingratitude” as: “Forgetfulness of or poor return for kindness received.” It can also be defined as not appreciating or valuing what you have, or have been given. Unexpressed gratitude is also ingratitude!