137
You can AfterPay your dinner now. WTAF (aussie.zone)
submitted 6 months ago by Baku@aussie.zone to c/australia@aussie.zone
15 comments fedilink hide all child comments

I can't decide whether this is a horribly depressing sign of the times that people need to pay off 1 nights dinner over 4 weeks, or if this is some stupid executive person thinking this is what people want when they say they can't afford to get food delivery

Por qué no los dos, I guess. But seriously, what the actual fuck

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[-] WaterWaiver@aussie.zone 41 points 6 months ago* (last edited 6 months ago)

"Eat now, ..." is terribly depressing. It sounds like you're trading financial autonomy in exchange for another basic human right.

[-] snooggums@midwest.social 13 points 6 months ago

That is exactly what this is.

[-] Blackout@kbin.run 37 points 6 months ago

It's not that bad. The Italian food I had last week will be paid off before July then I can eat again.

[-] Onii-Chan@kbin.social 27 points 6 months ago

You can AfterPay your fucking petrol at some locations now. It's actually such a sickening demonstration of where we are as a world right now. The guy inside at the till even happily espoused that he "uses it all the time." Like dude, that isn't a positive thing.

[-] suodrazah@lemmy.world 10 points 6 months ago* (last edited 6 months ago)

A friend of mine got offered a credit card, we all told him was a trash idea but he accepted anyway of course.

Being the bucket of good choices he is, at the time he'd lost his license for drink driving. So he used the card to get taxis 10+km to and from McDonalds drivethrus... also buying the driver food.

This, among other dumb as fuck purchases, ran the card dry pretty quickly. You'd think having to pay it off would teach something of a lesson, but no - bam, aunty wipes the debt.

He would definitely use this service. Over and over.

[-] lastjunkieonearth 10 points 6 months ago

I think it's gross too but is it much different than paying using a credit card?

[-] snooggums@midwest.social 16 points 6 months ago* (last edited 6 months ago)

Yes.

A credit card is used for convenience and comes with a bunch of protections against fraud. While the scummy credit card companies do trick people into using them when they aren't actually useful and charge predatory interest rates when you fail to pay, there are some actual positives about using credit cards when you are financially stable. Yeah, they have somewhat high interest rates and penalties, but paying twice what you spent will probably take a few years.

AfterPay and all of these companies that offer multiple payments for small purchases are 100% targeting the poor who are just trying to survive by tricking them into a purchase that will probably cost them at least twice the actual cost or more spread over a short period of time. These things are basically loan sharks with less physical violence.

[-] SkyezOpen@lemmy.world 6 points 6 months ago

Did the math on a few "4 payments of x" and they were like 150% the actual purchase price.

[-] snooggums@midwest.social 6 points 6 months ago

Yeah, in this case it looks like they bake the price increase into the payments so they can claim it is "interest free".

[-] RGB3x3@lemmy.world 3 points 6 months ago

For a big catering meal, it could possibly be better than paying with a credit card because I often see those without interest.

But most of the time, you're paying it off in 6 weeks anyway so the difference is negligible.

[-] mertn22@aussie.zone 1 points 6 months ago

Paying off credit card usage is good for your credit rating. Applying ( not neccessarily using ) an AfterPay is a black mark on the credit rating.

[-] hitmyspot@aussie.zone 6 points 6 months ago

More likely its a way for doordash to be advertised via afterpay. I'd say it's less can't afford it, more why not spread the cost. Non different to using a credit card was considered odd at one point.

I don't use afterpay as I think its a bad product but if I had cash flow issues I would. Its free credit.

[-] gila@lemm.ee 3 points 6 months ago

Promo collab with Baycorp

[-] IsThisAnAI@lemmy.world 2 points 6 months ago

Neither. It's a great executive who understands how stupid people are and is going to make more money.

[-] Gradually_Adjusting@lemmy.world 1 points 6 months ago

Financialization is creating a world that would make Byzantium blush

this post was submitted on 31 May 2024
137 points (99.3% liked)

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