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A little hack I found about Costco is when I let my membership lapse and you don't go for a bit try and wait 3 months if you can because if you pay before then the membership expires on the same date as it originally did, but if you wait 3 months it will have the new date to expire on saving you up to 2 extra months.
Wow you have enough mo ey left over to eat 3 more hot dogs per day!
If a bunch of people did this would it bankrupt the bnpl people because of how miniscule the payments are?
No usually the payment has the interest build in. The way klarna and other interest free services make money is they charge a fee to the merchant. Otherwise saying they wouldn’t have gotten the sale if not for klarna so they take a 6% fee
They'd just charge some fee and call it processing or some shid
Convenience fee !!
Im still paying off my cam whore session just 500 dollar bi weekly payments for the next 9 years
They charged you to be a cam whore?
But at least you feel less lonely now!
Sadly, I'd say this is me right now , except I can afford payments 2 and 3.
When the few scattered survivors of our upcoming nuclear winter emerge and rebuild society, posts like these will be used in textbooks to prove we had it coming.
Dude, I'm so geeked out about the digital archaeology that will take place in the post-apocalyptic civilizational reboot.
I wish I could be alive to see it, but the best I can do is start hoarding data now so that whoever finds it centuries from now will thank the nameless individual who preserved that one sliver of human knowledge for posterity...
I have some weird shit I got from 4chan about 15 years ago. I wonder what they'll make of that.
And your comment will be used to show we were fully aware of having it coming.
And they won't be wrong
I used to have to go in with a checkbook and write a check for Zero dollars and 37.5/100 at the layaway counter.
Bitches held on to the hotdog until I was done paying. It was always cold by that point.
Think of the resell value
Considering that fertilizer is going to skyrocket in price...
how so?
The straight of Hormuz blockade impacts about 1/4 of nitrogen fertalizer iiec
ooh yeah that could be lol i completely forgot about that. wasn't that last year? (checks calendar) oh no
0% interest too!
That legitimately surprised me.
0% interest rates is paid for by the fees if you miss a payment
Not to mention, if you miss a payment, you typically have to pay interest on the full original loan from the date you took it out, at some egregiously high interest rate.
I used to work at Best Buy waaay back in the day. They would advertise stuff like buy a $1500 TV and get 0% interest for 2 years. But the fine print was exactly like you just described. You could make 23 of 24 payments on time, but if you were late they would hit you with 20+% interest compounding based off the entire loan amount.
So if you missed just one payment you'd get hit with like a $500 bill.
Nearly 30%, for the scheme we have access to at my work. 28.99%. That exact number may in fact inform veterans of the industry of exactly who we use for financing.
It's also paid as a fee by the store, which in turn means every customer (incl those not using BNPL) is indirectly paying for it.
What's even better is that hot dog payment plans create jobs when they hire people to retrieve the hot dogs from people who default on their payments.
They can pry my weiner from my cold, dead hands. Because that's likely how I'll actually die. Weiner-in-hands.
I agree.
They can pry your weiner out of my cold, dead hands too.
Hot dog repo man is my new dream career
Ugggghhh, that's such a good username!
Dibs if I lose this account lol
I see a promising future in glizzy logistics
I just picture you grinding up people into hot dogs. Like not all of them, just enough to make a replacement hotdog. Then the system continues.
You can have it back. You just have to wait. And wear gloves.
Pound of flesh?
I know you probably did this for the meme but the fact that you can buy a hotdog in installments is kinda ... yeah, idk. I'm lacking the vocabulary to describe my current state of mind.
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Use Klarna with a service fee between $0.75-$3 issued by WebBank. For example: a $160 purchase with a $40 down payment and $2 service fee results in a 21.97% APR, followed by three more biweekly payments of $40 (total repayment: $162). Subject to credit approval; minimum 25% down payment required. See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
Paying over time on Apple Pay: Loans/plans not offered by Apple. Subject to eligibility requirements and approval. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Your loan/plan activity may be reported to credit bureaus by your lending/plan provider, which may affect your credit score. The availability of your loan/plan may have an expiration date. Available with Apple Pay in stores on iPhone, and online and in apps on iPhone or iPad. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see Pay with installments using Apple Pay. To use Apple Pay, you need a supported card from a participating card issuer. To check if your card is compatible with Apple Pay, contact your card issuer.
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Klarna on Apple Pay is available in-store on iPhone and online or in apps on iPhone or iPad. Software requirements apply. Use Klarna for Pay in 4 with a service fee between $1.29–$5.99, issued by WebBank. For example: a $248 purchase with a $62 down payment and a $4.99 service fee results in a 35.68% APR, followed by three additional biweekly payments of $62 (total repayment: $252.99). Subject to credit approval; minimum 25% down payment required. For monthly financing, rate ranges from 0.00%-35.99% APR based on creditworthiness, term length, and subject to credit approval, resulting in, for example, 3 equal monthly payments of $333.33 at 0.00% APR to $353.52 at 35.99% APR per $1,000 borrowed. Minimum purchase amount and down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Paying over time on Apple Pay: Loans/plans not offered by Apple. Subject to eligibility requirements and approval. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Your loan/plan activity may be reported to credit bureaus by your lending/plan provider, which may affect your credit score. The availability of your loan/plan may have an expiration date. Available with Apple Pay in stores on iPhone, and online and in apps on iPhone or iPad. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see Pay with installments using Apple Pay. To use Apple Pay, you need a supported card from a participating card issuer. To check if your card is compatible with Apple Pay, contact your card issuer. Apple Pay is not available in all markets. View Apple Pay countries and regions. Features are subject to change. Some features, applications, and services may not be available in all regions or all languages and may require specific hardware and software. For more information, see Feature Availability. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.
⁴ Klarna Debit Flex Card is issued by Webbank, Member FDIC. Use your card anywhere Visa is accepted. Certain merchant, product, good and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan.
⁵ See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
⁶ A $1,000 purchase might cost $173.53 per month over 6 months at 13.99% APR. Rate ranges from 0.00%-35.99% APR based on creditworthiness, term length, and subject to credit approval, resulting in, for example, 3 equal monthly payments of $333.33 at 0.00% APR to $353.52 at 35.99% APR per $1,000 borrowed. Minimum purchase amount and down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Monthly financing through Klarna issued by WebBank.
⁷ Exclusions apply.
Your first step to rebuilding your credit score!
I would love to know how long it would take for someone to get to a credit score above 700 using only hot dog loans.
It's weirder than you think. Oddly, you hurt your score with too many hot dog loans. Financial experts usually recommend somewhere between 2 to 4 outstanding hotdog loans being paid out at once, as too many indicates bad financial practice.
What works against you, though, is the per loan amount. You might never get above 700 as your loan cap is $1.50. For some reason, it looks bad to credit agencies if credit providers don't set your cap high, even though technically you can't unless you already have good credit. Given my former $150 store card I copayed for my mom lowered my score, I can't imagine a $1.50 loan looking good on your report, lol.
Edit: oh. I know! Just buy several thousand hot dogs at a time. Problem solved.
As long as you hold 10% or less of your assets in hotdogs it shouldn't affect your credit. Putting ketchup on them can decrease your score with some reporting agencies.
AliExpress has that too:
