CDL vs Personal Loan for BNPLs

[Akash Topder]

Some BNPLs show in credit reports as Consumer loans/CDLs and some show as Personal loans. Which type of loan is more damaging to the credit reports in the long run.

 

[Dr. Drake]

Doesn't really matter as long as it's all paid up on time with zero late payments

 

[Credit Karma]

CDL is same as Personal loan. No difference whatsoever except the name.