The screenshot shown references nothing about a payment plan or a 69% APR. What am I missing?
Would you like to finance your hot chocolate with a loan set at 69% apr?
Submitted 4 weeks ago by cm0002@lemmy.world to [deleted]
https://lemmy.ml/pictrs/image/b6a23ba6-e303-4e44-aca5-53b4171db2b0.jpeg
Comments
dparticiple@sh.itjust.works 4 weeks ago
MacNCheezus@lemmy.today 4 weeks ago
Pretty sure that’s just OP making a snarky comment in reference to payment plans for pizza
Critical_Thinker@lemm.ee 4 weeks 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.
dparticiple@sh.itjust.works 4 weeks ago
Ah, very likely. I’m a literalist at heart, which is often at odds with posts of this nature. Thank you.
Verat@sh.itjust.works 4 weeks 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.
Demdaru@lemmy.world 4 weeks ago
Ah ah ah! It’s another credit card. People with no self controle love that.
boonhet@lemm.ee 4 weeks 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.
wreckedcarzz@lemmy.world 4 weeks ago
The lack is itself a reference to how many times OP has 69d (zero)
deranger@sh.itjust.works 4 weeks ago
Kids items have been cheaper as long as I can remember. I guarantee a restaurant you’ve been to has had two identical items at different prices, or things that are cheaper and you get more of the thing. The only thing modern about this is taking a screenshot of your cart.
MacNCheezus@lemmy.today 4 weeks ago
It’s called price discrimination, and it is, in fact, not new at all.
Consider, for example, that children generally also pay less for entrance into theme parks, swimming pools, and many tourist attractions, or can get a library card for free while adults have to pay full price. It actually makes a lot of sense when you consider that children generally do not earn their own money, and even if they do, they tend to earn a lot less than adults.
ALavaPulsar@lemmy.world 4 weeks ago
Are there places that make adults pay for a library card? I’ve never heard of this in the US at least.
LandedGentry@lemmy.zip 4 weeks ago
[deleted]wreckedcarzz@lemmy.world 4 weeks ago
“It’s to-go, my kid loves the food here”
the empty house that OP lives alone in
Serinus@lemmy.world 4 weeks ago
And this is the innocuous form of it. Places who don’t serve children often are generally happy to make their profits off of adults and worry less about income from the odd child (especially Starbucks).
If you want to see real tiered pricing, look at all the fast food apps. The purpose of those is to extract as much money from you as possible. Those who don’t want to deal with them pay double, and they don’t lose much business from those who refuse because they’re often willing to use the apps.
Shardikprime@lemmy.world 4 weeks ago
But this is a screenshot of your cart at the Starbucks app?
Am I missing something here? This doesn’t make any sense. It’s not even related to a loan
BigBananaDealer@lemm.ee 4 weeks ago
the kids size and the smallest size are the same size but a different price
Shardikprime@lemmy.world 4 weeks ago
My English is not the best but how does that qualify as a loan?
then_three_more@lemmy.world 4 weeks ago
Switch Kids out for Wedding and triple the price.
Kitathalla@lemy.lol 4 weeks ago
Eh, I have similar feelings, but there is a reason for the wedding price increase. As a florist once told me, there’s a reasonable amount of ‘oops’ that can happen with a regular customer, and they’re often accommodating. Only 11 roses came to the door on valentine’s day, but they ordered 12? An apology and a discount is often more than enough to make the customer happy. If a bride doesn’t get a perfect flower arrangement, it’s already too late.
Extend that to the other sorts of merchants you’ll be dealing with at a wedding, and look at the cost increase as buying super, ahead-of-time insurance to ensure that everything is perfect. For something like the cake or photos, that means you have to dedicate more time or resources than usual to make sure absolutely nothing goes wrong (enough to notice). Two photographers instead of the single photographer for a corporate shindig, three cakes baked just in case one of them turns out slightly flat, that sort of thing.
then_three_more@lemmy.world 4 weeks ago
That kind of thing I get. It’s the corporate mass produced side where they literally just repackage the same product and mark up the price that’s objectionable.
Meron35@lemmy.world 4 weeks ago
It’s innovative because it applies evolutionary pressure by making sure that dumb people falling for such simple scams will be too poor to survive and reproduce /s
Lemminary@lemmy.world 4 weeks ago
I’ll take the 69, you can keep the loan. 😏
Gork@lemm.ee 4 weeks ago
Payment plan please, 69 month term.
wreckedcarzz@lemmy.world 4 weeks ago
Nice.
goes bankrupt
Phil_in_here@lemmy.ca 4 weeks ago
Hi, I’d like to apply for a mortgage. No, just a children’s mortgage, thanks.
Rusty@lemmy.ca 4 weeks ago
If kid’s mortgage is the one your kids continue to pay after your death, then I’m sure we’ll see it soon.