For example, 34% of Americans born in Latin America report no credit card or installment loan debt.

例如，据报道，34%出生在拉丁美洲的美国人没有信用卡（分期贷款）。

They're also utilizing services like buy now pay later, which is a type of installment loan people might use instead of a traditional credit card.

他们也利用现购现付等服务，这是一种分期贷款的付款服务，人们可能会用它来代替传统信用卡。