yet another vague data point mortgage underwriters can use to deny your loan

In corporate back room, "persons score is high enough to qualify and income is good enough but there’s a strong history of bnpl usage. Over 200 accounts ranging from food to groceries and luxury items. Risk to default has increased, thus approval for slightly higher APR compared to peers with none to lower BNPL usage.”

Rinse and repeat this for hundreds of thousands of loans and now bank is raking in (more) profits