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this post was submitted on 05 Aug 2024
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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.