this post was submitted on 29 Jan 2025
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The screenshot shown references nothing about a payment plan or a 69% APR. What am I missing?
The lack is itself a reference to how many times OP has 69d (zero)
Pretty sure that's just OP making a snarky comment in reference to payment plans for pizza
That's not what the image shows though. It's comparing a kids 8oz hot chocolate to a short 8oz hot chocolate which have different prices despite being the same items.
I have seen a few posts going around about how there are short term loans like affirm being used for coffee shops but the image here just isn't at all related.
Yes, that is what the thread starter said as well.
I believe what OP is trying to communicate is that charging adults and children different amounts for a hot chocolate is as dystopian as buying a pizza on credit.
Well if that's what they are doing is s dumb thing to do
It's not somebody playing the piano either.
Ah, very likely. I'm a literalist at heart, which is often at odds with posts of this nature. Thank you.
sounds like a touch of the tism
All of the "buy now pay later" or pay in installment schemes/apps popping up, supposedly they are popular but I don't get it, it is just a worse credit card.
With credit cards you'd have to pay in full next month or pay interest. Here the installment plans go to to 3 or 6 months without interest.
You also don't need to own a credit card so no need to pay that monthly fee.
Not all of them are without interest. In fact, the ones you'll find the most are quite usurious.
They're all interest free in my country, but if you need a longer period, you can get an installment plan that has an interest rate comparable to a credit card.
The longer time to pay makes sense but the cards I have dont charge me for having them, I know availability of cards may vary though, some people might not have decent card options, I guess it makes sense.
Probably varies by country. My gold card was something like 5 euros a month which isn't a whole lot, but it's still money for something that only serves to make it way too easy to take on debt and has little other value.
Ah ah ah! It's another credit card. People with no self controle love that.