Your credit score won’t be affected at first but missed payments may be visible to lenders and could affect your ability to borrow, so it’s important to keep up with the agreed repayments. To help you keep on top of your payments, it may be a good idea to set up automatic repayments with your Buy Now, Pay Later provider (this can be via direct debit or standing order). This should mean that you don’t miss your payments as they’ll be taken automatically. Please try to make sure you have enough money in your account to pay, so you don’t get charged any fees from your other accounts.