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buy now pay later doesnt affect credit score

If you do the financing (like 12 months or whatever) it does...
racy maize filthpig
  06/06/25
How do they collect them?
copper marvelous foreskin
  06/06/25
goodwill of people. that's why thy are losing so much money
racy maize filthpig
  06/06/25
Would still be debt in court though, right?
fighting church masturbator
  06/06/25
its like layaway but they give you the product first. maybe ...
racy maize filthpig
  06/06/25
Interesting strategy
fighting church masturbator
  06/06/25
yes, but it's worth pennies on the dollar for them to collec...
mauve exciting pit scourge upon the earth
  06/06/25
Seems like a potentially disastrous business strategy. Just ...
crusty coiffed selfie
  06/06/25
finance bros dont get proles https://www.cnbc.com/2025/05/1...
racy maize filthpig
  06/06/25
The system was set up so it doesn't count as 'debt' so they ...
glittery slap-happy really tough guy double fault
  06/06/25
they can only send debt (ie financing) to credit reporting. ...
racy maize filthpig
  06/06/25
https://www.cnbc.com/2025/06/25/buy-now-pay-later-plans-will...
Laughsome ceo
  06/26/25


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Date: June 6th, 2025 11:17 AM
Author: racy maize filthpig

If you do the financing (like 12 months or whatever) it does. But if you do the pay in 3 or whatever, it doesnt as its not legally debt.

Why would anyone repay that? Everyone should buy, make 1 payment, then enjoy your 67% discount!

(http://www.autoadmit.com/thread.php?thread_id=5734197&forum_id=2)#48992054)



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Date: June 6th, 2025 11:19 AM
Author: copper marvelous foreskin

How do they collect them?

(http://www.autoadmit.com/thread.php?thread_id=5734197&forum_id=2)#48992060)



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Date: June 6th, 2025 11:26 AM
Author: racy maize filthpig

goodwill of people. that's why thy are losing so much money

(http://www.autoadmit.com/thread.php?thread_id=5734197&forum_id=2)#48992085)



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Date: June 6th, 2025 11:23 AM
Author: fighting church masturbator

Would still be debt in court though, right?

(http://www.autoadmit.com/thread.php?thread_id=5734197&forum_id=2)#48992076)



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Date: June 6th, 2025 11:27 AM
Author: racy maize filthpig

its like layaway but they give you the product first. maybe just keep it under $1k

(http://www.autoadmit.com/thread.php?thread_id=5734197&forum_id=2)#48992087)



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Date: June 6th, 2025 2:17 PM
Author: fighting church masturbator

Interesting strategy

(http://www.autoadmit.com/thread.php?thread_id=5734197&forum_id=2)#48992494)



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Date: June 6th, 2025 2:26 PM
Author: mauve exciting pit scourge upon the earth

yes, but it's worth pennies on the dollar for them to collect on

(http://www.autoadmit.com/thread.php?thread_id=5734197&forum_id=2)#48992523)



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Date: June 6th, 2025 2:27 PM
Author: crusty coiffed selfie

Seems like a potentially disastrous business strategy. Just think of all the destitute Sonybois taking advantage of this.

(http://www.autoadmit.com/thread.php?thread_id=5734197&forum_id=2)#48992528)



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Date: June 6th, 2025 3:54 PM
Author: racy maize filthpig

finance bros dont get proles

https://www.cnbc.com/2025/05/19/klarna-doubles-losses-in-first-quarter-as-ipo-remains-on-hold.html

(http://www.autoadmit.com/thread.php?thread_id=5734197&forum_id=2)#48992813)



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Date: June 6th, 2025 2:34 PM
Author: glittery slap-happy really tough guy double fault

The system was set up so it doesn't count as 'debt' so they wouldn't be beholden to the regulations a regular credit card issuer would have to face (oh wow man 'fintech'!). If they send the debt to collections it will definitely hit your credit.

(http://www.autoadmit.com/thread.php?thread_id=5734197&forum_id=2)#48992545)



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Date: June 6th, 2025 3:53 PM
Author: racy maize filthpig

they can only send debt (ie financing) to credit reporting. buy in 3 payments! cant be sent my friend. its not debt

(http://www.autoadmit.com/thread.php?thread_id=5734197&forum_id=2)#48992810)



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Date: June 26th, 2025 10:56 PM
Author: Laughsome ceo

https://www.cnbc.com/2025/06/25/buy-now-pay-later-plans-will-soon-impact-your-credit-score.html

(http://www.autoadmit.com/thread.php?thread_id=5734197&forum_id=2)#49052850)