[mmillin]

> incrementally builds my credit rating

Most BNPL plans are not reported to credit agencies and therefore don’t build credit. But “financing” by paying with a credit card and paying the balance in full would build your credit, still with no interest.

[margalabargala]

> But “financing” by paying with a credit card and paying the balance in full would build your credit, still with no interest.

The person you replied to is doing exactly this.

[SirMaster]

Aren't most BNPL plans credit cards? How many credit card accounts are floating around out there compared to any other type of plan?