Is This Buy Now, Pay Later Mistake Killing Your Credit Score?

Is a credit card payment plan actually cheaper than buy now, pay later — and can either one help your credit score? We break down the rare bipartisan housing bill headed to (or stalled at) the president's desk, then dig into how credit card issuer payment plans stack up against Klarna, Afterpay and your card's regular APR. 0:00 Introduction 1:23 Congress's Bipartisan Housing Bill 3:20 Why We Have a Housing Shortage 6:02 The Ban on Large Investors Buying Homes 7:04 What This Means for Existing Homeowners 9:09 Why New Construction Matters for First-Time Buyers 11:45 Criticism of the Bill 12:41 When Buyers Might Actually Feel the Impact 14:16 Listener Question: Credit Card Payment Plans vs. Buy Now, Pay Later 17:53 Is a Payment Plan Cheaper Than Your Card's APR? 21:57 How Payment Plans Differ From Buy Now, Pay Later 26:30 Pros and Cons of Payment Plans 30:35 Do Payment Plans Affect Your Credit Score? 34:12 Comparing All Your Options for a Big Purchase Locked Out: 3 Outdated Myths About Manufactured Homes: https://www.nerdwallet.com/mortgages/... Best 0% APR Credit Cards of July 2026: https://www.nerdwallet.com/credit-car... Subscribe to our podcast's free email newsletter for bonus content and more from our hosts at https://smartmoney-nerdwallet.beehiiv... #BuyNowPayLater #CreditCards #HousingMarket #PersonalFinance #MoneyPodcast