If you have outstanding "buy now, pay later" orders or are a past prize winner, the situation is currently unstable:
: PCH filed for Chapter 11 bankruptcy in April 2025. It was subsequently acquired by ARB Interactive for $7.1 million. Current Status for Consumers pch buy now pay later
: PCH agreed to an $18.5 million settlement with the FTC in 2023 following allegations of "dark patterns" that tricked consumers into making unnecessary purchases. If you have outstanding "buy now, pay later"