176
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
this post was submitted on 05 Aug 2024
176 points (97.8% liked)
World News
39144 readers
1018 users here now
A community for discussing events around the World
Rules:
-
Rule 1: posts have the following requirements:
- Post news articles only
- Video links are NOT articles and will be removed.
- Title must match the article headline
- Not United States Internal News
- Recent (Past 30 Days)
- Screenshots/links to other social media sites (Twitter/X/Facebook/Youtube/reddit, etc.) are explicitly forbidden, as are link shorteners.
-
Rule 2: Do not copy the entire article into your post. The key points in 1-2 paragraphs is allowed (even encouraged!), but large segments of articles posted in the body will result in the post being removed. If you have to stop and think "Is this fair use?", it probably isn't. Archive links, especially the ones created on link submission, are absolutely allowed but those that avoid paywalls are not.
-
Rule 3: Opinions articles, or Articles based on misinformation/propaganda may be removed. Sources that have a Low or Very Low factual reporting rating or MBFC Credibility Rating may be removed.
-
Rule 4: Posts or comments that are homophobic, transphobic, racist, sexist, anti-religious, or ableist will be removed. “Ironic” prejudice is just prejudiced.
-
Posts and comments must abide by the lemmy.world terms of service UPDATED AS OF 10/19
-
Rule 5: Keep it civil. It's OK to say the subject of an article is behaving like a (pejorative, pejorative). It's NOT OK to say another USER is (pejorative). Strong language is fine, just not directed at other members. Engage in good-faith and with respect! This includes accusing another user of being a bot or paid actor. Trolling is uncivil and is grounds for removal and/or a community ban.
Similarly, if you see posts along these lines, do not engage. Report them, block them, and live a happier life than they do. We see too many slapfights that boil down to "Mom! He's bugging me!" and "I'm not touching you!" Going forward, slapfights will result in removed comments and temp bans to cool off.
-
Rule 6: Memes, spam, other low effort posting, reposts, misinformation, advocating violence, off-topic, trolling, offensive, regarding the moderators or meta in content may be removed at any time.
-
Rule 7: We didn't USED to need a rule about how many posts one could make in a day, then someone posted NINETEEN articles in a single day. Not comments, FULL ARTICLES. If you're posting more than say, 10 or so, consider going outside and touching grass. We reserve the right to limit over-posting so a single user does not dominate the front page.
We ask that the users report any comment or post that violate the rules, to use critical thinking when reading, posting or commenting. Users that post off-topic spam, advocate violence, have multiple comments or posts removed, weaponize reports or violate the code of conduct will be banned.
All posts and comments will be reviewed on a case-by-case basis. This means that some content that violates the rules may be allowed, while other content that does not violate the rules may be removed. The moderators retain the right to remove any content and ban users.
Lemmy World Partners
News !news@lemmy.world
Politics !politics@lemmy.world
World Politics !globalpolitics@lemmy.world
Recommendations
For Firefox users, there is media bias / propaganda / fact check plugin.
https://addons.mozilla.org/en-US/firefox/addon/media-bias-fact-check/
- Consider including the article’s mediabiasfactcheck.com/ link
founded 1 year ago
MODERATORS
Good. Shut that shit down
I personally find it incredibly useful, but I agree that it should be regulated. It is very obvious that the way these systems work currently is not in the interest of the citizens, judging by the numbers of people who go into a debt spiral they cannot resolve. Just because it's useful for my case doesn't mean that it should stay as it is.
Providing easier access to credit encourages higher prices. It also has a negative effect on the less money-minded person, who then never learns the concept of saving. It also reinforces the “now now now” concept of consumerism.
The only thing my crappy mother actually taught me, through her own credit card debt, was that if I don’t have the cash, I don’t get the thing. Easier said than done, I know.
I don't disagree with your comment in any way. It's a complex situation, and there are positives and negatives to doing it this way.
Out of interest, how do you use it that you find it useful?
Sure! I use it "as intended". I pay later. But I only use it when I know that there's going to be money later (I have money now) and I plan my economy pretty thoroughly. It gives me some extra space when I need it, and makes it so I don't have to put out my own money to companies I haven't purchased from before, which can be useful since I tend to look for the best deal available and that often leads me to smaller shops that have no ratings or other reputation online.
Is there an advantage to buying from unknown shops via Klarna as opposed to paying directly? Does Klarna deal with any dispute or do they demand the money from you anyway?
I have found that its easier to get refunded because you haven't paid yet and Klara has more power to get a refund
This
I can get the product in my hands before paying for it, so I can verify it's what I wanted. I also don't spread my debit card info around.
Assuming it's not what you wanted, does Klarna deal with the seller in case of a dispute or are you stuck dealing with the seller while still having to pay Klarna?
I simply don't pay the invoice and send the product back. I never fronted any money.
While I agree that increasing consumer debt is a problem, I think Klarna provides a valuable service for online shopping.
I can get my goods delivered and inspect them before paying anything. If the goods are not as stated (or don't arrive at all) I just dispute it and then it is Klarnas problem, I haven't risked anything of my own money. If I had paid up front, I would have to try to get my money back. It's almost always harder to get money back than to dispute and refuse to pay.
Some regulations are welcome, but I don't see BNPL as a bad concept in itself.
Klarna is permanently on my do not trust list, as what I experienced told me they can't manage their system correctly. And for someone who can put a derogatory mark on your credit, I'm not risking it.
(Bear in mind when I got the first email, just to be safe, I paid off the remaining balance the Friday of that week.)
I figured they caught and corrected it, so no harm, no foul.
When I tried using them at the end of the month however, (I think for upgrading my comp) they rejected my finance request. I wasn't sure, but I had my suspicions it was due to their fuck-up as I only used them once.
3 weeks later, they sent this.
It's the people they're counting on not paying after the BNPL period is over that need more protection. That's where the trap is, and where these actors make their money.
You can already do all that with a credit card, and your bank is more likely to side with you. Why not just use that? There's several decades more regulation on credit cards, too.
Mostly convenience, the Klarna app is miles ahead of what my bank offers.
That's not even true. Oftentimes, the debit card transaction is completed long before the product arrives...
You should never use a debit card, at least in the US. Always use a credit card.
Debit cards are defacto standard in the EU, far fewer uses credit cards.
BNPL encourages higher prices.