BNPL offers have become a common feature at online checkouts, letting you split bills into smaller payments. But what feels like free credit is still debt. If not handled carefully, it can pile up fast and hurt your credit profile.

Why you should cap instalments

Experts suggest keeping all BNPL and credit card EMIs together within 10-15 percent of your monthly income. Anything more eats into essentials and savings. Even if each instalment looks small, multiple BNPL accounts across apps can add up silently. A fixed ceiling helps prevent cash flow shocks later.

The risks of overuse

Unlike traditional loans, BNPL doesn’t always show up on your credit report right away, which can make it feel harmless. But if you miss payments, it quickly appears in your credit history and drags down you

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