I’m sure it’s a lot more than that, but yes you do need to be careful if it’s an issue for you. If you treat it like a debit card and pay things right away it can help to get you in the right mindset. It is free money after all so doing it is better than not.
I do understand where you are coming from, if you are in a good position financially, something like this isn’t an issue. I’m in a spot now where it wouldn’t be an issue for me now but I have lived it in the past. While things like this are fine for people financially secure, it can absolutely snowball for the people it’s intending to attract. It looks easy to manage at first because it’s just a small payment of four, but then you think you can do another or forget, etc, and before you know it, you owe a lot of money without realizing it. I know that financial responsibility can help but it isn’t always that easy, especially with something like this enabling irresponsible spending and being bombarded with “buy, buy, buy” in society. I just think that any benefit I would get from this from rewards just isn’t worth it being available for others to be exploited and getting into needless debt. Things like this make the fact that we’re getting into late stage capitalism more glaring
Sorry, I meant skipping Klarna entirely but still “buying on credit” with a credit card that you pay off at the end of the month. I agree that these services are entirely a trap and should be avoided.
I meant just buying it with a credit card in the first place and skipping Klarna entirely. I’d never suggest using any of these ‘buy now pay later’ services, especially not for fast food.
Please don’t put takeout on credit
Unless it’s your credit card that you use for cash back rewards and pay off fully each month.
Which is what maybe 2% of people will be doing because this exists to exploit
I’m sure it’s a lot more than that, but yes you do need to be careful if it’s an issue for you. If you treat it like a debit card and pay things right away it can help to get you in the right mindset. It is free money after all so doing it is better than not.
I do understand where you are coming from, if you are in a good position financially, something like this isn’t an issue. I’m in a spot now where it wouldn’t be an issue for me now but I have lived it in the past. While things like this are fine for people financially secure, it can absolutely snowball for the people it’s intending to attract. It looks easy to manage at first because it’s just a small payment of four, but then you think you can do another or forget, etc, and before you know it, you owe a lot of money without realizing it. I know that financial responsibility can help but it isn’t always that easy, especially with something like this enabling irresponsible spending and being bombarded with “buy, buy, buy” in society. I just think that any benefit I would get from this from rewards just isn’t worth it being available for others to be exploited and getting into needless debt. Things like this make the fact that we’re getting into late stage capitalism more glaring
Sorry, I meant skipping Klarna entirely but still “buying on credit” with a credit card that you pay off at the end of the month. I agree that these services are entirely a trap and should be avoided.
Klarna fees will negate that unless Klarna and DoorDash are dropping the fee.
I meant just buying it with a credit card in the first place and skipping Klarna entirely. I’d never suggest using any of these ‘buy now pay later’ services, especially not for fast food.