this post was submitted on 16 Apr 2026
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Lemmy Shitpost

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[–] GarboDog@lemmy.world 8 points 5 days ago

This feels like boring dystopia

[–] HeyJoe@lemmy.world 13 points 6 days ago (1 children)

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.

[–] mrgoosmoos@lemmy.ca 2 points 6 days ago

huh. I will need to check this, because that's some obvious scam bullshit. thank you for the notice

[–] Doomsider@lemmy.world 2 points 5 days ago

Creditmaxing

[–] Pacattack57@lemmy.world 2 points 6 days ago

Wow you have enough mo ey left over to eat 3 more hot dogs per day!

[–] betterdeadthanreddit@lemmy.world 193 points 1 week ago (9 children)

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.

[–] HikingVet@lemmy.ca 65 points 1 week ago

And they won't be wrong

[–] saimen@feddit.org 15 points 1 week ago (1 children)

And your comment will be used to show we were fully aware of having it coming.

[–] MousePotatoDoesStuff@lemmy.world 3 points 6 days ago (1 children)

And your comment will be used to show we were fully aware of being fully aware of having it coming.

[–] rob_t_firefly@lemmy.world 3 points 5 days ago (1 children)

And your comment will be used to show that MousePotatoDidStuff.

Hello, future historians :D

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[–] null@piefed.nullspace.lol 96 points 1 week ago (1 children)
[–] smuuthbrane@sh.itjust.works 64 points 1 week ago (1 children)

That legitimately surprised me.

[–] Natanael@slrpnk.net 55 points 1 week ago (2 children)

0% interest rates is paid for by the fees if you miss a payment

[–] KoboldCoterie@pawb.social 27 points 1 week ago (2 children)

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.

[–] dual_sport_dork@lemmy.world 19 points 1 week ago

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.

[–] AzuraTheSpellkissed@lemmy.blahaj.zone 14 points 1 week ago (2 children)

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.

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[–] ceenote@lemmy.world 77 points 1 week ago (4 children)

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.

[–] LaserTurboShark69@sh.itjust.works 46 points 1 week ago (4 children)

Hot dog repo man is my new dream career

[–] Crackhappy@lemmy.world 14 points 1 week ago (1 children)

You can have it back. You just have to wait. And wear gloves.

[–] j5y7@sh.itjust.works 1 points 6 days ago

I ain't waiting and I ain't using gloves.

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[–] hansolo@lemmy.today 36 points 1 week ago (1 children)

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.

When I used to have to go in with a checkbook, you had to pay extra for bitches to hold onto the hotdog until it heated up.

[–] realitaetsverlust@piefed.zip 27 points 1 week ago (1 children)

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.

[–] can@sh.itjust.works 13 points 1 week ago (1 children)
[–] lividweasel@lemmy.world 12 points 1 week ago (4 children)
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[–] RattlerSix@lemmy.world 24 points 1 week ago (1 children)
[–] village604@adultswim.fan 11 points 1 week ago (3 children)

Considering that fertilizer is going to skyrocket in price...

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[–] Sgt_choke_n_stroke@lemmy.world 23 points 1 week ago (2 children)

If a bunch of people did this would it bankrupt the bnpl people because of how miniscule the payments are?

[–] Pacattack57@lemmy.world 10 points 6 days ago (1 children)

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

[–] liuther9@lemmy.world 2 points 6 days ago

Lets give inflation some steroids!!

[–] eletes@sh.itjust.works 9 points 1 week ago (1 children)

They'd just charge some fee and call it processing or some shid

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[–] Soulphite@reddthat.com 21 points 1 week ago (1 children)

Powered by KLARNA™

Smarter Everyday Money

¹ CA resident loans made or arranged pursuant to a California Financing Law license. NMLS # 1353190.

² Earn cashback on Klarna App purchases. Klarna balance account required and funds can only be used within Klarna. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Klarna may get a commission. Limitations, terms and conditions apply.

³ Klarna on Apple Pay is available in-store on iPhone and online or in apps on iPhone or iPad. Software requirements apply.

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.

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.

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.

[–] SavinDWhales@lemmy.world 3 points 6 days ago

I have 0% interest in this loan.

[–] Themosthighstrange@lemmy.world 16 points 1 week ago (2 children)

Im still paying off my cam whore session just 500 dollar bi weekly payments for the next 9 years

[–] Agent641@lemmy.world 7 points 1 week ago (1 children)

They charged you to be a cam whore?

[–] paul@lemmy.org 1 points 6 days ago

OF has no chill for us uggos

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[–] postmateDumbass@lemmy.world 15 points 1 week ago (1 children)

Your first step to rebuilding your credit score!

[–] fiewuf@piefed.social 13 points 1 week ago (2 children)

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.

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