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Posted on 4/29/25 at 6:37 am to makersmark1
Yes it is....it allows people to go ahead and buy more and exceed their budget. Eventually those payments will reduce current cash flow. It is kind of like those stupid commercials....I want my mo ey and I want it now" as they get their pay early...problem is that pay now has to make do for a few extra days...or, more likely...they stick to getting it early each time and it turns out to be no different except for that first time they bought 2 days "cuz it ain't free"
Posted on 4/29/25 at 8:05 am to Golgi Apparatus
quote:
Sounds no different than a credit card
Very different from a credit card, these are out there every single time you check out for any size purchase, tempting you to do it because it makes it look cheaper. Everyone knows how a c.c. works, everything comes due within the statement month. It might be similar to a c.c., but again you can sign up for these basically every time you checkout somewhere and it's almost instant. You're not getting offered a new credit card every time you checkout somewhere and if you do, still have to go through a process of approval if you can even get it. It takes a little time, this is very very easy by comparison and nearly everyone gets approved to start out. C.C. almost always require a hard credit check, BNPL uses soft (which also makes it more appealing to a lot of people).
This post was edited on 4/29/25 at 8:07 am
Posted on 5/1/25 at 4:38 am to makersmark1
quote:
If it’s “interest free” and they pay it on time, this is actually not a bad idea on the face of it.
That's never a good idea. Especially not for groceries.
Eat first, so you can get off your lazy arse and go work so you can pay your rent, utilities and transportation.
After that, it's all gravy.
Posted on 5/1/25 at 5:23 am to theballguy
quote:
That's never a good idea.
I have paid off my mortgage.
I pay my balance on credit cards in full every month.
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