\
  The most prestigious law school admissions discussion board in the world.
BackRefresh Options Favorite

buy now pay later doesnt affect credit score

If you do the financing (like 12 months or whatever) it does...
Bearded chapel
  06/06/25
How do they collect them?
Umber multi-colored voyeur public bath
  06/06/25
goodwill of people. that's why thy are losing so much money
Bearded chapel
  06/06/25
Would still be debt in court though, right?
Floppy thirsty native
  06/06/25
its like layaway but they give you the product first. maybe ...
Bearded chapel
  06/06/25
Interesting strategy
Floppy thirsty native
  06/06/25
yes, but it's worth pennies on the dollar for them to collec...
Titillating Citrine Heaven Newt
  06/06/25
Seems like a potentially disastrous business strategy. Just ...
Stirring ruddy new version
  06/06/25
finance bros dont get proles https://www.cnbc.com/2025/05/1...
Bearded chapel
  06/06/25
The system was set up so it doesn't count as 'debt' so they ...
Maize flickering stag film
  06/06/25
they can only send debt (ie financing) to credit reporting. ...
Bearded chapel
  06/06/25
https://www.cnbc.com/2025/06/25/buy-now-pay-later-plans-will...
Slippery motley nursing home elastic band
  06/26/25


Poast new message in this thread



Reply Favorite

Date: June 6th, 2025 11:17 AM
Author: Bearded chapel

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)



Reply Favorite

Date: June 6th, 2025 11:19 AM
Author: Umber multi-colored voyeur public bath

How do they collect them?

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



Reply Favorite

Date: June 6th, 2025 11:26 AM
Author: Bearded chapel

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)



Reply Favorite

Date: June 6th, 2025 11:23 AM
Author: Floppy thirsty native

Would still be debt in court though, right?

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



Reply Favorite

Date: June 6th, 2025 11:27 AM
Author: Bearded chapel

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)



Reply Favorite

Date: June 6th, 2025 2:17 PM
Author: Floppy thirsty native

Interesting strategy

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



Reply Favorite

Date: June 6th, 2025 2:26 PM
Author: Titillating Citrine Heaven Newt

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)



Reply Favorite

Date: June 6th, 2025 2:27 PM
Author: Stirring ruddy new version

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)



Reply Favorite

Date: June 6th, 2025 3:54 PM
Author: Bearded chapel

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)



Reply Favorite

Date: June 6th, 2025 2:34 PM
Author: Maize flickering stag film

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)



Reply Favorite

Date: June 6th, 2025 3:53 PM
Author: Bearded chapel

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)



Reply Favorite

Date: June 26th, 2025 10:56 PM
Author: Slippery motley nursing home elastic band

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)