If I can just find a way to pay off my credit card with my Klarna and my Klarna with my credit card, I believe I'll be qualified as a Silicon Valley Bank.
this post was submitted on 17 Nov 2025
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Lol just register for an LLC then sign up for like stripe or something so you can take card then BOOM done. Although you'd be losing a little money each time because transaction fees lol
And fuck eBay for encouraging this to happen
Ebay? Id say Amazon is the much larger pusher of this shit. And now it's in everything
And PayPal
Debt is destructive because it detaches prices from reality. It's how school, cars, houses, and medicine became comically unaffordable. If you can make up a number and demand people pay you forever then you don't need to engage in actual mundane capitalism.
My default is to assume any new financial instrument is there to exploit you, but I’ve heard from peers in Europe that they’re done this forever and it’s fine?
It's better than credit cards IMO, you have a firm set amount of payments and amounts you need to make on a fim schedule (every 2 weeks) with no interest.
Properly managed, it's a decent way to make big purchases without straining your savings to do it. E.g. you want to make a 600$ purchase and have the money saved for it, but why spend it all when you have a 0 interest way to split that up over time in line with your paychecks? Then you can keep that savings for something truly unexpected
Ofc it's still debt short term or not, so if you're horrible at managing debt it's as bad as any other debt like Credit Cards