🛍️ Buy Now, Pay Later is now Buy Now, Regret Publicly: The WSJ (paywalled) says credit bureaus have officially started tracking your “Buy Now, Pay Later” shopping. So yes, that $89 “ergonomic” beanbag you split into four payments? It might now haunt your credit report. Suddenly, Klarna feels a lot less like a fun hack and more like a fiscal breadcrumb trail leading directly to your FICO score.