The most prestigious law school admissions discussion board in the world.
|
 |
 
|
irl goy here, what's the reason *not* to use Klarna?
Poast new message in this thread
Date: December 4th, 2025 10:53 AM Author: Bateful cobalt field quadroon I was buying a "towel warmer" online for my wife(also goy) and the "4 easy payments" Klarna ad popped up. It's the exact same price either way. So what is the catch - is it just that they gather detailed shopping info and send you ads? get to look at your credit report ? Or are they hoping you will miss a payment and hit you with some 99% apr upcharge? |
Date: December 4th, 2025 10:58 AM Author: cerise public bath there’s zero downside and they make absolutely no money at all providing that service (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49482999) |
 |
Date: December 4th, 2025 11:00 AM Author: Bateful cobalt field quadroon is this some uber 2017 zirp VC cash thing (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483005) |
|
Date: December 4th, 2025 11:01 AM Author: Burgundy exciting sandwich range https://s205.q4cdn.com/644747736/files/doc_financials/2025/q3/Q3-2025-Earnings-Release.pdf (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483007) |
|
Date: December 4th, 2025 12:03 PM Author: ocher razzle-dazzle lay (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483228) |
|
Date: December 4th, 2025 11:00 AM Author: opaque titillating institution they charge the retailer a %. it's the same thing with stores that used to offer 0% APR but instead of having a separate financing plan at every retailer these guys are trying to create a centralized system for retailer-funded low APR financing. that's why different retailers have different options.
it is a no brainer, but like most of these things it's a prole goy honeypot. people with money aren't going to worry about 0% APR on a couple hundred bucks. it's free money but not enough to care. meanwhile prole goys are gonna go ham and have trouble getting out from under it.
seeing klarna pop up as an option for mcdonalds purchases is giving me flashbacks of "no payments for 6 months!" interest only mortgages on 2007. |
|
Date: December 4th, 2025 11:26 AM Author: twinkling codepig feces What if they repossess my bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483081) |
|
Date: December 4th, 2025 11:33 AM Author: opaque titillating institution ESPECIALLY your bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483109) |
|
Date: December 4th, 2025 11:10 AM Author: Nubile Buck-toothed Site A girl in my class is underwater on some McNuggets not flame (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483020) |
|
Date: December 4th, 2025 11:34 AM Author: exhilarant patrolman you should provide her a "bailout" (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483113) |
|
Date: December 4th, 2025 3:54 PM Author: wild market skinny woman My sous vide! (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483996) |
|
Date: December 4th, 2025 11:30 AM Author: razzle set juggernaut This is how you know America is actually 70% brown now. This would’ve been completely absurd with our demographics from like 15 years ago (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483100) |
|
Date: December 4th, 2025 11:44 AM Author: orange violent nursing home kitty cat (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483150) |
|
Date: December 4th, 2025 11:52 AM Author: Henna shivering gunner water buffalo (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483184) |
|
Date: December 4th, 2025 12:04 PM Author: concupiscible arrogant telephone church building (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483229) |
|
Date: December 4th, 2025 12:23 PM Author: Glittery sick stain locus The phenomenon of putting *everything* on a credit card was widespread by then.
I don't see how this new BNPL stuff is substantially different than using a CC. |
|
Date: December 4th, 2025 12:24 PM Author: concupiscible arrogant telephone church building I use CC for whatever I can because I get points/miles/other benefits but I never run a balance. BNPL is pure credit at shitty rates. (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483292) |
|
Date: December 4th, 2025 2:21 PM Author: Duck-like Onyx Spot this is yet another layer of jewish debt magic underneath your credit card debt
|
|
Date: December 4th, 2025 2:15 PM Author: boyish maize ratface (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483648) |
|
Date: December 4th, 2025 2:19 PM Author: cerebral windowlicker This is how you know XO is full of shit when they claim to be simple prole men of America born to the working class
The Walmart layaway counter was the exact same shit 30 years ago |
|
Date: December 4th, 2025 2:45 PM Author: khaki casino degenerate You didn’t get your shit until you made the final payment. Layaway was to hold a specific item at a specific price when availability was less predictable. (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483719) |
|
Date: December 4th, 2025 11:36 AM Author: Slate Heady Nowag Jap the "free money" argument is some real prole shit. jew here. lol @ the opportunity cost on the $75 you spent to buy headphones. that's peanuts and not worth worrying about when there's a risk of a missed payment and fucking up your credit.
much easier to get large amounts of "free money" in other ways |
|
Date: December 4th, 2025 11:37 AM Author: Bateful cobalt field quadroon nffi, I remember your nordstrom return arbitrage stories. that was *way* more work than this (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483120) |
|
Date: December 4th, 2025 11:38 AM Author: Slate Heady Nowag Jap i wasnt doing it for the arbitrage. i was doing it to borrow clothes, and the arbitrage is just a bonus. (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483125) |
|
Date: December 4th, 2025 11:55 AM Author: Beta Cumskin Black Woman let’s say op goes big though, and makes a $200 purchase, with 25% down and 25% due over each of the next three months. assuming an 8% apr opportunity cost, he just netted $2. if it takes him 20 minutes to fill in his info, set up autopay, and confirm the transfers over the life of the loan, dood is bringing down a cool $6/hour. are you too good to work for $6/hr, hotshot? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483194) |
|
Date: December 4th, 2025 12:02 PM Author: Bateful cobalt field quadroon dbg oddly silent (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483220) |
|
Date: December 4th, 2025 12:04 PM Author: Slate Heady Nowag Jap rofl he's making my point (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483232) |
|
Date: December 4th, 2025 11:38 AM Author: fuchsia business firm bbw Legal hypo: Assume you order a chipotle burrito and ask for guac but quickly cancel and then pay with klarna just as the guac leaves the guacscoop, then you default on your loan, can your SNAP/EBT benefits be garnished? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483123) |
|
Date: December 4th, 2025 12:02 PM Author: ocher razzle-dazzle lay (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483221) |
|
Date: December 4th, 2025 11:43 AM Author: ivory irradiated national security agency gas station How long do you have to pay it off without interest? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483140) |
|
Date: December 4th, 2025 11:46 AM Author: exhilarant patrolman (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483156) |
|
Date: December 4th, 2025 11:47 AM Author: dashing dull property hairy legs Rach can you turn on location for every post like they did on Twitter (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483159) |
|
Date: December 4th, 2025 11:48 AM Author: thriller fishy pit pervert (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483165) |
|
Date: December 4th, 2025 11:51 AM Author: passionate amber queen of the night kitchen https://x.com/paul_hundred/status/1996621366184075337 (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483180) |
|
Date: December 4th, 2025 11:56 AM Author: Bateful cobalt field quadroon we're famous again bros (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483198) |
|
Date: December 4th, 2025 11:58 AM Author: bull headed location (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483205) |
|
Date: December 4th, 2025 3:47 PM Author: cruel-hearted spectacular messiness (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483977) |
|
Date: December 4th, 2025 12:02 PM Author: ocher razzle-dazzle lay Klarna’s a bitch (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483222) |
|
Date: December 4th, 2025 2:14 PM Author: Diverse Parlor Can illegals use this shit? You need a SSN or what? Is there widespread beaner fraud? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483643) |