Having a low credit score doesn’t just mean you could be turned away from buy now pay later purchases, it can affect you at any time when you might need credit, such as getting a new mobile phone contract or applying for a first mortgage.
A bad credit score can mean you’re offered higher interest rates on a mortgage or have less choice of lender, when you want to borrow money to buy a house. It could mean you are turned down for a personal loan, or credit card, or offered one at a higher rate of interest.