this thread doesn't make senseA consumer could do this same...

this thread doesn't make sense
A consumer could do this same behaviour for practically any bnpl
Both apt and zip will report a late payment to the credit bureaus, they have to by law.
So knowing you will get a bad credit rating if you fail to pay you think people are just going out there loading up on purchases then cancelling their credit cards? A pretty stupid idea. How are these people going to get car loans or a house loan down the track with their bad credit rating?
Your post makes no sense.
The moment you miss a payment on Afterpay your account is suspended. They've already got 25 percent of the purchase from you upfront.