this post was submitted on 09 Jul 2025
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[–] Mirodir@discuss.tchncs.de 17 points 1 day ago (1 children)

What's also kinda wild is how those plans often have 0 interest rate as long as you're able to pay the installments on time. Which means in theory you MAKE money by using them because you can earn interest with that money in the meantime.

It ALSO means they know the people using those services are so bad with money that they can sustain themselves (and make a nice profit) purely by their clients failing to pay on time and then selling the debt to debt collectors. It's absolutely disgusting how predatory this is, making their money mostly on the people who'd need such a system the most (and to a smaller amount, on people who don't care).

[–] paraphrand@lemmy.world 1 points 1 day ago* (last edited 1 day ago)

“What?! We help people budget!”

“What?! We help people when times are tough!”

“What?! 73% of our customers pay us zero interest!”