New Delhi, July 13 -- Buy now, pay later (BNPL) has, over the years, gained prominence and has emerged as a comfortable payment option for day-to-day credit users looking to manage short-term expenses without making an upfront payment.

From online shopping to utility payments to day-to-day expenses, BNPL services have gained popularity among young individuals and first-time borrowers due to the ease it offers.

Still, a common question remains unanswered: Does using BNPL services affect your credit score? Now, the answer to this question is not simple; it primarily depends not only on the product itself but also on how diligently and responsibly an individual uses it.

On-time repayments, discipline in financial management, and avoiding ...