Not sure about the US but in the UK it's now supposed to show up on your credit report. You also need to be the type of person that keeps on top of your financ

Not sure about the US but in the UK it's now supposed to show up on your credit report. You also need to be the type of person that keeps on top of your finances. The main trap for inexperienced/impulsive people is getting locked into paying for more than they can afford. Without BNPL they might look at their balance and decide not to buy the item. BNPL introduces a different type of calculation where you now "it's only $5/mo", and need the experience to consider "how many more $5/mo payments do I have". The other problem is people with a volatile monthly income. They might be fine paying $50/month for a few months but due to their industry or changes in their financial situation they're now stuck with a commitment they can't afford and otherwise wouldn't have had without BNPL.