Comment on Would you like to finance your hot chocolate with a loan set at 69% apr?

dparticiple@sh.itjust.works ⁨2⁩ ⁨days⁩ ago

• MacNCheezus@lemmy.today ⁨2⁩ ⁨days⁩ ago

  Pretty sure that’s just OP making a snarky comment in reference to payment plans for pizza

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  • Critical_Thinker@lemm.ee ⁨1⁩ ⁨day⁩ ago

    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.

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    • MacNCheezus@lemmy.today ⁨1⁩ ⁨day⁩ ago

      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.

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      • Jarix@lemmy.world ⁨1⁩ ⁨day⁩ ago

        Well if that’s what they are doing is s dumb thing to do

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    • BeMoreCareful@lemmy.world ⁨1⁩ ⁨day⁩ ago

      It’s not somebody playing the piano either.

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  • dparticiple@sh.itjust.works ⁨1⁩ ⁨day⁩ ago

    Ah, very likely. I’m a literalist at heart, which is often at odds with posts of this nature. Thank you.

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    • TseseJuer@lemmy.world ⁨1⁩ ⁨day⁩ ago

      sounds like a touch of the tism

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• Verat@sh.itjust.works ⁨2⁩ ⁨days⁩ ago

  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.

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  • Demdaru@lemmy.world ⁨2⁩ ⁨days⁩ ago

    Ah ah ah! It’s another credit card. People with no self controle love that.

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  • boonhet@lemm.ee ⁨1⁩ ⁨day⁩ ago

    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.

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    • JcbAzPx@lemmy.world ⁨16⁩ ⁨hours⁩ ago

      Not all of them are without interest. In fact, the ones you’ll find the most are quite usurious.

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      • boonhet@lemm.ee ⁨10⁩ ⁨hours⁩ ago

        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.

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    • Verat@sh.itjust.works ⁨1⁩ ⁨day⁩ ago

      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.

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      • boonhet@lemm.ee ⁨17⁩ ⁨hours⁩ ago

        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.

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• wreckedcarzz@lemmy.world ⁨1⁩ ⁨day⁩ ago

  The lack is itself a reference to how many times OP has 69d (zero)

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