FICO to incorporate buy-now-pay-later loans into credit scores

I always take on debt if it's an option at 0%. Or sometimes even if it's a low promo thing, like 3%.

I do that too, I actually get a kick out ripping off those predatory 0% interest traps. I had no idea the BNPL things didn’t impact credit scores. If they’re unsecured with no credit worthiness impact then why even pay them back?