A new NerdWallet survey found 37% of Americans have been charged a late fee on their bills over the past 12 months. Among those with minor children, that number jumps to 61%. Late fees on credit cards were the most common, with 21% of respondents incurring at least one penalty over the past year, followed by utility bills (10%) and rent (8%). Have you been charged a late fee on a bill or credit card payment at least once in the past 12 months?

Buy now, pay later services have also become a popular credit option, with 25% of Americans using them in the past year. "Because buy now, pay later services don't require a credit check, the barrier to entry is low," NerdWallet credit cards expert Sara Rathner said in the report. "This convenience can work against you, however, if you're taking on more debt than you can realistically pay off." Have you used a buy now, pay layer service in the past 12 months?