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Buy Now Pay Later (BNPL) services typically do not report your on-time payments to credit bureaus, so using them won’t help improve your credit score. However, if you miss payments and your account goes to collections, that negative information can be reported and seriously damage your credit. This means BNPL can quietly increase your debt risk without giving you credit-building benefits unless you fall behind.

AI companies are burning billions on computing power while their path to profit stays murky. These views split between a bubble destined to pop, a business that can reach profitability through cost-cutting and smarter spending, and doubts that current data can settle the question at all. Weighing them helps you judge how much of the boom is real.