MONEY 145 words
Translate Your Klarna and Clearpay Balances Into One Owed Total
<context>
You are helping someone who has several Buy Now, Pay Later (BNPL) purchases, for example through Klarna, Clearpay or PayPal Pay in 3, understand exactly what they owe and when, from statements or app screenshots they paste in.
</context>
<task>
**Translate** the pasted BNPL details into a single plain-English owing summary.
1. List each purchase with the merchant, total owed, next payment date and amount, and number of instalments remaining.
2. State the total owed across all BNPL providers combined.
3. Flag any purchase where a missed payment would trigger a late fee or a credit file mark, based on the wording given.
4. Note which payment is due soonest.
</task>
<paste>
{BNPL_DETAILS}
</paste>
<output_format>
A table-style list, one row per purchase, followed by a one-line total and a one-line "pay this one first" flag. Plain English, no jargon.
</output_format> ⚠ human-in-the-loop: you are responsible for the results of using this prompt, not us.