What goes through the minds of the goyim when they use services like Klarna or other "buy now, pay later" crap?Do they understand that they have to still pay the price, usually even more than the original, just later?Why would anyone use a service like this, ever? You're literally agreeing to pay more for no reason most of the time.It's just so foreign to me, I don't understand.
>>62765337I thought the point of these stretch pay thingies is precisely that you pay 0% interest?So you can sell stuff to goym they can't affort to pay at once. Essentially it'd be stupid not to use that, you get an interest free loan
Well in my case it's because my overtime gets paid in arrears. If I do an overtime shift at any point in October, I only get paid for it at the end of November. Never used Klarna specifically, but the principle is the same as using a credit card or taking a quick loan from the bank. >unnexpected expense shows up OPTION 1:>dig into my personal savings OPTION 2: >take a loan/use credit card to pay for it, book a few overtime shifts for the month (paid at 1.5x or 2x depending on the day) and settle the debt at 0% interest when I get paid I mean if you don't understand this very simple concept you're probably fortunate enough to not be a wagie, but we don't all have rich parents. It's a perfectly reasonable thing to do.
I just used it because then I get the item right away but now it's their problem if I lose my job and default.
I thought biz was more savvy than thisthis is the same question as>should I pay off all my debt and mortgage immediately or keep investing?
You're talking about people that partially have no concept of the future
>>62765337It's literally an interest free loan. The service is subsidised by the poors. The people who pay on time just get free money, I like it
>>62765337I see this shit all the time advertised to me and if I remember correctly they claim it's 0% interest if you pay the payments on time. I think it's like credit cards where they make their money on the retards that don't pay on time, like credit cards. I don't know though because I have never used it and will never use it because I'm not a nigger.
I've never seen one of these offered with less than 0% interest, and if I'm buying something expensive like a lawnmower, I'd rather pay the same exact amount in installments and invest more money now. Maybe make sure you're not the retard before making a thread like this.
I use buy now pay later on my paypal even though I have like 100,000 bucks on hand at all times because it's easier to put it offNEVER REPAY DEBT THAT ISN'T ACCRUING INTERESTFUCK THE BANKS
>>62766273good luck getting your money, Klarna
>>62765337I would use klarna to get a 5090 and never pay them back
>KlarnaNigga I use DAVE
