179
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
this post was submitted on 30 Mar 2024
179 points (93.7% liked)
News
22855 readers
4928 users here now
Welcome to the News community!
Rules:
1. Be civil
Attack the argument, not the person. No racism/sexism/bigotry. Good faith argumentation only. This includes accusing another user of being a bot or paid actor. Trolling is uncivil and is grounds for removal and/or a community ban.
2. All posts should contain a source (url) that is as reliable and unbiased as possible and must only contain one link.
Obvious right or left wing sources will be removed at the mods discretion. We have an actively updated blocklist, which you can see here: https://lemmy.world/post/2246130 if you feel like any website is missing, contact the mods. Supporting links can be added in comments or posted seperately but not to the post body.
3. No bots, spam or self-promotion.
Only approved bots, which follow the guidelines for bots set by the instance, are allowed.
4. Post titles should be the same as the article used as source.
Posts which titles don’t match the source won’t be removed, but the autoMod will notify you, and if your title misrepresents the original article, the post will be deleted. If the site changed their headline, the bot might still contact you, just ignore it, we won’t delete your post.
5. Only recent news is allowed.
Posts must be news from the most recent 30 days.
6. All posts must be news articles.
No opinion pieces, Listicles, editorials or celebrity gossip is allowed. All posts will be judged on a case-by-case basis.
7. No duplicate posts.
If a source you used was already posted by someone else, the autoMod will leave a message. Please remove your post if the autoMod is correct. If the post that matches your post is very old, we refer you to rule 5.
8. Misinformation is prohibited.
Misinformation / propaganda is strictly prohibited. Any comment or post containing or linking to misinformation will be removed. If you feel that your post has been removed in error, credible sources must be provided.
9. No link shorteners.
The auto mod will contact you if a link shortener is detected, please delete your post if they are right.
10. Don't copy entire article in your post body
For copyright reasons, you are not allowed to copy an entire article into your post body. This is an instance wide rule, that is strictly enforced in this community.
founded 1 year ago
MODERATORS
Indeed, and once she deletes the bnpl app, she'll use credit cards to buy useless shit like she prolly did before.
I think me and you have been successfully clickbaited though, the journalist looked for such an extreme example to cause outrage, have the article linked on various aggregations, and be discussed.
The odd loophole these buy now pay later schemes have (or maybe had, I haven't checked for a while), is that they don't show up on your credit reports. This means more borrowing, and more opportunity to get in over your head in debt.
And then people get pushed into irresponsible borrowing, like its normal. You see ads for buying a fucking burger and paying it back over six weeks. I've seen tile shops that take Klarna as payment. Sorry to be Mr Old Fashioned, but by the stage of life where you're buying kitchen tiles, you should have your financial shit together.
I mean sure, shit happens and sometimes you need £800 for a car repair or something so you don't lose your job and fall into a cascade of debt, but $800 on a tent for a two day beach trip for a toddler? Give your head a wobble. He'd have had just as much fun two minutes down the road in a local park.
They don't put a "hard enquiry" on your report, but it does show up as an open/closed account and will affect your score that way. Not badly necessarily; I bought some stuff with a loan from one of these companies and it actually helped my credit because it increased the number of accounts I have on file (I am one of those who doesn't open cards etc if I don't need them, so my credit mix has always been a bit anemic).