I dont think they are a fair comparison to what essentially pay day loan companies.
I am happy they are european, it means not just their operations but their data is probably to a higher standard. That said, they are absolutely everywhere now encouraging people to over spend and making everyday items more expensive for the lowest paid class of people.
Klarna offers many payment options. (Credit Cards, Instant Bank Transfer from your Account, SEPA Direct Debit, by Bill etc…) Buy Now Pay Later is just one of them.
There is no difference to PayPal or CreditCards where you can also buy stuff with money you don’t have (hence the “Credit” in Credit Card) or PayPals “Pay in 30 days or installments”-Option.
I was referring specifically to buy now pay later, like humm. I didnt know paypal offered that, they sucked way before that. Credit cards seem to have stricter controls on them.
That couldn’t be more wrong, at least in Germany we have SCHUFA scores, which are essentially the same. You won’t ever rent an apartment, get a bank account or a phone contract without a good score with them.
And Credit Cards are also widespread. True we don’t use them in everyday life much, but for travelling abroad or online Shopping. And the Debit versions become more popular in the last years. But for renting a car and stuff the “real” credit cards are still essential
Literally the biggest economy and country with the most people in the EU.
Ireland has the ICB
Austria has the KSV1870.
And the other countries have also alternative schemes in Place where data about unpaid bills/debts is stored. Like the BKR in your home country Netherlands.
So, no we’re not literally the only country in Europe that has credit ratings/scores.
:( I’m tired, this is stupid. European credit history (if you ever been in debt or late on installments) is very different from the credit score in US and, apparently, Germany (I wonder why). Ehi, you wanna support shark loans? Be my guest but don’t expect sympathy.
Because they offer many more legit payment options than “Buy now, pay later”. And I very much prefer to use Klarna when paying online than PayPal, because at least the money doesn’t go to Trump.
SEPA Direct Debit is my favourite, but it isn’t offered in many online Stores.
You’ve already forgotten where you post?
How do you pay for your online Shopping? By Carrier Pigeon? Or do you mail the money physically in?
I guess not, and that you are using either Credit Cards or PayPal
The main business model of Klarna is buy now pay later, they do other stuff because this is fate of corporations aiming for monopoly.
Now it’s the onboarding people/losing capital moment, they will also suck your dick if you subscribe to the loyalty program.
Regarding my personal life (which is none of your business) I shop locally and pay cash. If I really really have to shop online i use local payment processors like SEPA, satispay or ideaal (we have many) or in extremis my debit card. More questions?
Ok, are you also that mad about Credit Cards or PayPal?
Or are you just mad about Klarna because they’ve got the most media coverage?
I dont think they are a fair comparison to what essentially pay day loan companies.
I am happy they are european, it means not just their operations but their data is probably to a higher standard. That said, they are absolutely everywhere now encouraging people to over spend and making everyday items more expensive for the lowest paid class of people.
Klarna offers many payment options. (Credit Cards, Instant Bank Transfer from your Account, SEPA Direct Debit, by Bill etc…) Buy Now Pay Later is just one of them.
There is no difference to PayPal or CreditCards where you can also buy stuff with money you don’t have (hence the “Credit” in Credit Card) or PayPals “Pay in 30 days or installments”-Option.
Or what am I missing?
I was referring specifically to buy now pay later, like humm. I didnt know paypal offered that, they sucked way before that. Credit cards seem to have stricter controls on them.
We don’t usually use credit cards in europe. We don’t have credit scores here, the majority use DEBIT cards. Which is the opposite.
That couldn’t be more wrong, at least in Germany we have SCHUFA scores, which are essentially the same. You won’t ever rent an apartment, get a bank account or a phone contract without a good score with them.
And Credit Cards are also widespread. True we don’t use them in everyday life much, but for travelling abroad or online Shopping. And the Debit versions become more popular in the last years. But for renting a car and stuff the “real” credit cards are still essential
Literally the only country in continental Europe. Ahah Yes, very smart 🤓
Literally the biggest economy and country with the most people in the EU. Ireland has the ICB Austria has the KSV1870.
And the other countries have also alternative schemes in Place where data about unpaid bills/debts is stored. Like the BKR in your home country Netherlands.
So, no we’re not literally the only country in Europe that has credit ratings/scores.
Get your facts straight
:( I’m tired, this is stupid. European credit history (if you ever been in debt or late on installments) is very different from the credit score in US and, apparently, Germany (I wonder why). Ehi, you wanna support shark loans? Be my guest but don’t expect sympathy.
Have you ever been to the UK?
Yes I’m also very fucking mad about those but it doesn’t seem the topic of the thread.
You are welcome to do more whataboutism and prove even more that you understood nothing about the topic.
Perhaps you also wanna share why you support parasites? Please, teach me.
Because they offer many more legit payment options than “Buy now, pay later”. And I very much prefer to use Klarna when paying online than PayPal, because at least the money doesn’t go to Trump. SEPA Direct Debit is my favourite, but it isn’t offered in many online Stores.
You’ve already forgotten where you post?
How do you pay for your online Shopping? By Carrier Pigeon? Or do you mail the money physically in?
I guess not, and that you are using either Credit Cards or PayPal
So stop being a hypocrite
Damn, you got me wow. 🙌
The main business model of Klarna is buy now pay later, they do other stuff because this is fate of corporations aiming for monopoly.
Now it’s the onboarding people/losing capital moment, they will also suck your dick if you subscribe to the loyalty program.
Regarding my personal life (which is none of your business) I shop locally and pay cash. If I really really have to shop online i use local payment processors like SEPA, satispay or ideaal (we have many) or in extremis my debit card. More questions?