Klarna and Afterpay say they won’t share their data with the credit bureaus until they know it won’t harm their customers.

The payment company Klarna is partnering with the delivery service DoorDash to offer what is essentially short term credit.

The 0% interest on many buy now, pay later plans is appealing to cash-strapped holiday shoppers. But nonpayment ends up on credit reports.

Adobe’s latest forecast shows consumers are expected to spend a record $18.5 billion through buy now, pay later financing this year. That’s up more than 11% year over year.

At a time of high prices and interest rates, BNPL offerings are tempting. But they could lead vulnerable consumers into a debt spiral.

The Consumer Financial Protection Bureau announced new rules today requiring companies like Afterpay and Klarna to investigate when customers dispute a charge, and issue refunds for returned products. They’ll also have to provide periodic billing statements.

More than a quarter of Americans used a credit card to buy groceries last year and did not pay off the balance when it was due.

Adobe Analytics projects that buy now, pay later loans could drive as much as $84 billion in spending in 2024. But the debt shoppers are racking up is basically hidden from credit bureaus, lenders and economists.