Comment on Daily Discussion Thread: ⏩🆚⏮️ Tuesday, June 18, 2024
tombruzzo@aussie.zone 3 months ago
Did the old toy sale laybuy for Christmas at Big W.
Laybuy is surprisingly backward. You need to go in store to pay it off and they give you a receipt with a barcode you’re supposed to scan to do so
Baku@aussie.zone 3 months ago
The pessimistic part of me says that’s because they don’t want laybys to compete with BNPL bs like AfterPay. Although that stuff should be meant for things you need right now but can’t afford, I imagine a lot less people would be using it at Christmas time if laybuys were as well advertised as after pay
tombruzzo@aussie.zone 3 months ago
I get that feeling too. It would be possible to turn that regular barcode into a QR code and associate it with a Big W account.
You don’t get into debt with laybuy, you don’t get an item you’re then obligated to pay off, and you not get as aggressive fees for cancelling a laybuy
Baku@aussie.zone 3 months ago
Yeah, completely agree. I see the appeal of BNPL, but laybuys are so much better if you don’t need things right now. And since it’s not a debt, it’s one less bill you have to pay