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Economy is Just Fine (thelemmy.club)
submitted 1 day ago by to c/memes@lemmy.world
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[–] 2 points 21 hours ago (3 children)

Klarna is for people who want to buy something but don't have enough money right now. It's helpful to them because it's interest-free so they can pay off little items over the course of several months without acquiring interest.

But if you have enough money to buy something & pay in full, just do that. No need to drag it out for months if you've got plenty of money in the bank.

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  • [–] 1 point 6 hours ago (1 child)

    So it's just a credit card with an above average time limit on when you pay interest.

    Of course, only people that want to buy something and don't have enough money right now use credit cards.

    You're describing the type of person they prey on, the exact type that should stay far away from it unless they have truly no other options.

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  • [–] 1 point 25 minutes ago

    only people that want to buy something and don't have enough money right now use credit cards.

    Not necessarily true. Real credit cards have benefits like cash back & airplane miles etc. Tons of financially-savvy wealthy people use their credit cards for every purchase then pay it off before the end of the billing cycle so they don't accrue any interest but they still get all the benefits & cash back etc.

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  • [–] 1 point 13 hours ago*

    Klarna is for people who […]

    Well, Klarna is a free service, and I can use it however I like.

    I use it to gather (all of) my financial transactions on a neat invoice so I can categorize them and keep a close tab on my family's budget. The invoice is paid by the next month, so it isn't "dragged out for months". I even have the physical Klarna card which you can also get free of charge.

    This is very deliberate by me, so I don't need anybody to tell me what I should do instead. 👍

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