BNPL may damage your credit rating, but not SPT?, page-4

Thanks for the replies -- Interesting; Sooo just to be sure I follow, with spilitit unlike the other BNPL you can actually improve your credit rating-- in that you have borrowed against your credit and paid back on time.. unfortunately with the others, even if you do pay back in time, it won't contribute towards raising your credit rating..

If this is true, i wonder if the younger generations realise they could be helping their chances for strong credit ratings, like for future loans, such as cars and home loans etc, simply by using SPT and paying things in instalments , vs others where at best they can influence it is to hurt it. ouch!