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Delegation can be hard! What helps you?
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Never used it
As long as you're not accruing debt.
I avoid that entirely. If I can't afford to pay right away for something I just don't get it. I'll sometimes put something on a credit card, but I'll pay it off pretty quickly. Those buy now pay later situations are a really bad trap to fall into.
What is BNPL?
Oh got it thank you’
I used it for buying my 77" Bravia 8 OLED TV from Costco.
I had no clue these weren’t already being reported to the credit bureaus. They run your credit when you apply to use these services.