are you buying your games on credit?you know you can always pay later with services as pic related
Doing this for 1 video game would be retarded.
Im not paying
i tried klarna but its a piece of shit. they wont let me use it just because im in pakistan on vacation even though im from sweden. its racist company
>>739005362>buy game with klarna>promise to pay later>??>don't paythey cant take away the game technically
sorry link, i cant give credit!
>>739005526Post hand.
>>739005295>are you getting into debt?Oy vey!!!
>>739005515Why the fuck would you go on vacation in Pakistan if you're Swedish???
I used it once just to see how it was on a pair of earphones. Too much of a hassle to pay it every month.
>>739005979my family refuses to stay in cold shithole sweden in winter
>>739005295>are you buying your games on credit?we don't use credit cards
>>739005526I did this with a nintendo 3ds once
>>739006158So they spend their vacation in one of the biggest shitholes on the planet?
Nigger why the fuck would I go into debt for an entertainment product?
>>739006243nigga what the fuck do you think, video games are my life
>>739006230bad places in sweden is worses than good places in pakistan. you wouldnt know anything about that so dont talk bad about pakistan
>>739006386Just say that you're an immigrant from Pakistan to Sweden and went back on vacation, geez
>>739006386oh my god you're a fucking brownoid visiting family, disgusting
>>739006215how it went?
>>739005295>pay later with services as pic relatedhow much are they paying you to shill this here
>>739005295No, I don't take out a loan to buy a video game.
I can't buy games digitally anymore. I refuse to use goypal, credit goy cards & this piece of shit in the OP. I wish we had our own payment method like spain has. it sucks, but steam always has prepaid cards available
Don't use credit cards ever.Literally eat out of bins instead of use credit cards.
>>739007282Why are some people so mad about credit cards? I just have one that goes to my normal bank account to use in countries that don't accept my debit card
>>739007367Because they didn't pay their balance so they have bad credit
>>739007560What, they get a credit card with $30k of credit and then spend it all even though they only have 100 bucks in their account?
I don't buy video games. I just spent 300 bucks on anime sex dolls, though.
>>739005526Post credit score
>>739007623whats the point of credit if you cant spend it freely? just live a little
The only time I ever used one of those services was when there was some percentage off at a website and even then I did the same thing I do with my credit cards and pay them off immediately.Throughout the year I end up getting a couple hundred back in rewards points, though usually as soon as I hit the $25 minimum I just redeem that and get something more expensive for dinner.
>pay for food delivery with paypal>it's 15 bucks or something>tells me I can pay in installments if I wantHas the economy gotten that dire?
>>739007649You can't spend it freely period. Buying something on credit means the bank expects you to pay back the full amount plus any interest. That's not free, it's more expensive than buying the thing in cash.
>>739007649What's the point of using credit if you have to pay it back?
>>739006556I'm now homeless.
>>739008108do you have to? really? will they lock you up if you dont?
>>739006386Based pakibro, swedcucks have been getting very uppity lately and their devs are shit, you deserve the country more than them
>>739008262no you don't actually have to lolbut you are now lower class
>>739006158>my family refuses to stay in cold shithole sweden in winterNigga why the fuck would you go to Pakistan?
>>739006386Saar we are not the street shitters or the gang violences, saar we poo in the loo!
>>739005295>>739005295How do these work?
>>739010253>spread out total over X months>get product>pay minimum amount each month>charge you X% interest each month for using their creditI think it's 6 months or 12 months that the total + interest is spread out but doing this for a video game, food or anything is retarded. I'd expect the interest is out the fucking ass.
>>739005295Klarna is a stupid scam that I can't believe people fall for. People are already reporting that their information has been stolen and things purchased in their name. Imagine using what is for all intents, a title loan service where you have to give them all your personal information just to get the same shit as having a credit card with your bank gets you. Then having everything stolen because they use palantir for their website protection. The same fucking palantir that sold everyones information to russia and china. Every employee of that company should be executed for treason.
>>739010253>>739010806If you use paypal there's no interest at all. Either 4 payments with one every two weeks, or with paypal credit $150+ purchases give you six months..
Credit as a whole is retarded Do you really want to be someones slave?
>>739006556If I remember correctly I think I got a letter in the mail from a debt collection company who bought my debt from Klarna, threatening to sue me if I didn't pay it, but also they took more than half off of what I owed. So I paid it.
Yall motherfuckers need to watch some caleb hammer.
>>739010867you dont understand. anyone using this has already obliterated their credit.
>>739010867privacy rights impede the free market commie
>>739011781I dont like making fun of broke people and poor people
>>739007632>300>not 1200How tall is she?
>>739011741A friend told me a lot of these are usually bullshit, most of the time the whole sueing process will take much more money than the debt they want you to pay.
Id consider it
>>739012027I bought a ton of torsos from a place that was going bust. Biggest one is a 17kg, 50cm torso with fuckable tits and a fuckable horse dick, cost me 80 bucks.
>>739012178Pics?
>>739011781Either this or Dave Ramsey.It seriously makes me feel better about my life. I don't have much but I've got no debt, close to $30k in savings and my pension has been paid into since I was 18. It boggles my mind that 67% of Americans can't even afford a $1000 emergency.
>>739012261I put it back in the box already, here.https://www.mrlsexdoll.com/products/molly-37lb-penetrated-penis-futanari-nhentai-sex-doll-horse-cock
>>739012152Well the whole reason I paid it is because I actually did get sued twice before for small sums like that, that I thought I could just ignore.
>>739012349I remember watching Dave Ramsey, but the message missed me completely after a while I took on $3000 debt, I wanted fo commit sudoku, but then at a train station I’ve changed my mind, I went back home, returned $3000 I borrowed and was only stuck with $300 interest, my family was pissed but we paid that and I felt sick for a few days aftewards
>>739012364>$700That's fucking crazy, but I guess you got a good deal lmao
>>739012742Yeah, I wouldn't pay anywhere near that for a torso. Still, I can understand why it costs so much, the detail on that horse cock is crazy.
>>739012152theyre much more likely to go through it if its something like a credit card
>>739012924These prices are fake and dont reflect anything, he prolly got thaf shit off a chink supplier for $100
>>739005295>klarnaScam.
>>739013134TPE prices are pretty standard, it's all weight based. The higher the weight, the more you pay.
>>739005295I bought my PC with this and never paid it back.
>>739012168buy base stellaris onlyinstall creamapidownload the files for the good dlcs from csrinruenjoy
>>739013402dare I say, based?
>>739005295>have credit card>exclusively use it for videogames, PC related purchases or emergencies>3 month plan for videogames, they either come interest-free or the interest is negligibleIf for some reason my debit card doesn't pass when I'm buying groceries, I pay with credit and immediately transfer the money. Just have some financial intelligence and don't spend more than what you can actually pay.
>>739005295You know can always not pay at all
>>739013950Buying in credit AT ALL is financially irresponsible.Unless you're investing in a future endeavor that is expected to pay out, like starting a business, its is always retarded.
>>739014637Doesnt work for multiplayer games
>>739015364Are there any good multiplayer games these days anyway?
>>739015549EDF6
>>739011337And what does PayPal get out of it?
>>739007367Financial illiteracy is why. This is what I did:>get a credit card with a low limit so can't go full retard>pay bills and use it for other mandatory purchases like whatever your house needs>pay off the card immediately>use cash back rewards to buy whatever the fuck I wantI've had a card for like 6 years now and never had to pay interest on it and I've saved more money by spending the cash back rewards instead of my own money.
>>739015725Your continued business? Interest is probably high if you don't pay it back in time I guess.
>>739005295>get raped by interest and late fees over rented media you won't own yourselfGrim.
>>739010867Literally never had a problem with Klarna.
>>739005295Hate this shit.How is it legal to advertise 0% APR and then just not have it be an option at checkout?(talking affirm specifically)How is it legal to charge a 36% APR
>>739015725I can’t tell if you are being serious or not.
>>739005295>buying gamesISHYGDDT
>>739016178I don't know how people can get credit cards without worrying about paying them back.I did the paypal 4-split pay thing one time and stressed about paying it so much that I paid the entire thing on the first split.I stick to a stock-back cards these days.
>>739017189I am?
Amazon card is nice get 5% cash back and interest free payment if you want to desu. I use it then pay it right away it’s free money
>>739017536They want you to use their services probably take a small fee from it. Take a might buy to buy it. Then if the person is dumb enough to not pay on time rape them with fees.
>>739005295>are you buying your games on credit?Why would I?Are you spending 2000$ on a single game?Just wait for a sale or pirate it, nobody will hold a grudge if you can't afford the game and pirate it.
>>739014818Having interest to pay is financially irresponsible, enough that some people decide not to pay for anything on credit so they never have debt that can accumulate interest. Like someone mentioned, you can pay off a debt the day you get it and never have it accumulate interest. I don't want to tell people to take out loans, but I also don't want them to think things they could pay off a loan for are impossible to get.
>>739018684Rich people and /biz/ told me if I have the money to buy a house in full to get a loan instead and invest
>>739018684>>739018809Houses and to a lesser extent vehicles (if done responsibly) are 100% acceptable forms of debt.If you use a credit card and do not pay it off 100% every month, you are retarded. Otherwise, using a credit card is the entirely better solution than cash. End of discussion.
>>739018959A credit card is just a dangerous version of a bank card. Pay with the money you have, not money you think you will have.
>>739019413Wrong. Modern cards provide more cash back and more points systems even on the free versions than any debit card can provide. Not to mention, paying off the card 100% every month still builds credit. Your dumb ass quote is for financial retards who have no idea how money works and don't know how to do math.
>>739005295>>739006312There are too many great cheap (or free) games out there for this to make any sense.If you can't comfortably afford $70 today then just wait, it'll be $30 soon enough and $10 eventually.
>partaking in usuryPost nose
>>739011741They ain't gonna take you to court and sue you for just a few hundred $$, it's not worth it for them. They'll still threaten you with it though because they know it scares most people into paying. Usually they only actually go that far if you owe over $1k.
>>739005526I do this but with doordash they still haven't caught on lol
