Thread 105958648

As,a NEET on welfare, Klarna is the only way to keep up and buy nice stuff without worrying about affordability. Pay in 3 is convenient and smooth. Literally no downsides.

That has got to be the most Jewish thing I've heard this month.

>>105958702
>convenience is jewish
Ok back to grooming kids over Discord, tranny

Companies are running out of ways to make money so now they're reinventing the short term debt cycle to make money.

>>105958648 (OP)
buy an ad

people actually use this thing? why?

>>105958721
It's not about that, it's about the "without worrying about affordability" part. How the hell would the picrel make you do that? It's just a BNPL provider, you still have to worry about potentially not having money to afford the things.

>>105958755
they are poor and stupid, like OP

>>105958755
Because now I can afford multiple purchases a month instead of rotting in poverty

>>105958778
oh, it's free money huh? that's cool.

>>105958755
It's handy when you don't have the actual $39.99 to get a pizza delivered ($7.99 pizza + delivery, tax and tip). It's just when you don't have the money to make your monthly payments on the pizza mountains you ordered while stoned, angry Swedish men come to your door and shout at you.

>>105958768
BNPL has been proven not to work in US, etc. It worked fine in the Scandinavian homelands where payment morale is somewhat better. They are just getting rayped in other markets tho, people literally think it's a freevend hack.

>>105958648 (OP)
you realize you have to pay it back retard?

>>105958824
Why?
Nobody else is.

>>105958648 (OP)
This is one of the oldest grifts.

>>105958755
Same as with credit cards.

Cashback, muh credit score, etc.

>>105958855
Klarna is literally giving out loans to people with no income. They just delete their account and create a new one. It is unsustainable business.

>>105958818
They are building brand.

100 Million a year is fuck all if they can manage to get a significant part of the purchase on credit market which is dominated by creditcards.

>>105958648 (OP)
when I see this app on peoples phone it's more of an ick then even aliexpress or temu or something. like ur a brokie and not even ashamed of it

>>105958855
>>105958901
And you think that's it? They go under and you're debt free? That debt is getting sold and you're going to end up paying one way or another
Going on debt in the US of all places where things like credit score are such a central part of life is insane, over retarded tech trinkets of all things too
You might think this won't affect you cause you're a dumb neet zoomer but this is the kind of shit that comes back to bite you in the ass when you least expect it