An expression taken from "buy now, pay later." This refers to the (often untrue) assumption that bisexual people are going through a phase and will eventually come out as gay. It is usually considered offensive.
guy: you're gay, right?
me: I'm bi.
guy: bi now, gay later
or
guy: What was she doing with another woman? I thought she had a boyfriend.
girl: she's on the bi now gay later plan.
A person who claims to be bi-sexual, but is really gay. This person will realize within a year or two that he or she is not attracted to the opposite sex at all.
So Carly says she's into Chris, but she's totally bi now, gay later.