Is There a Credit Limit?
No, the service doesn’t impact your credit score in any way, which can happen with other BNPL apps. However, your payment activity on the credit card linked to the service can affect your credit score. Instead, the retailer uses four main eligibility criteria: Because there’s no interest involved, the only benefit of paying off your balance early is to not have to keep track of upcoming payments, especially if you’re using the program for multiple purchases at a time. But while payment security is strong, using BNPLmultiple times could make it difficult to keep up with all of your payments. Also, because you don’t have to pay in-full upfront, it could encourage overspending, which can hurt your financial well-being. If monthly payments are an option for a specific item you’re purchasing, you’ll see it on the product details page. Select it when you add the item to your cart, once it’s in your cart, or at checkout. Subsequent payments will occur every 30 days from the shipment date until you’ve paid in full. If you need to return an item you’ve purchased through the BNPL program, you’ll receive a refund for the purchase amount minus your remaining BNPL balance.
