Americans are planning to borrow for holiday purchases before Halloween has arrived, with many already anticipating repayment trouble, a survey released Oct. 13 found. Nearly two in five holiday spenders plan to use buy now, pay later (BNPL) services, according to NerdWallet’s survey. Among those prospective users, 38% expect they will be unable to make payments in full and on time, raising concerns about shoppers taking on obligations they alre…