Will my credit score be negatively impacted by my payment holiday?

Buy Now Pay Later purchases placed after 1 December 2022 are reported to the credit bureaus each month. This may have an impact on your credit file.

We are obliged to report payment holidays on all Financing purchases.

Once your payment holiday has ended, the credit bureaus are automatically updated the following month.

Good to know: If your BNPL payment holiday is for goods purchased before 1 December 2022 these payments are excluded from reports to the bureaus and will not impact your credit file.

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