Thursday, 26 March 2020

The buy now pay later situation

On a sunny day in Rome, I found myself arguing with a clearly distressed buyer about promoting a buy now, pay later scheme. The app lets you split the payment of your order in 3 slices, 4 in some cases, or pay in 30 days after you've tried the items on and decided if they're for you. It has no interest either unless you can't pay the balance after 30 days and ask to split it up in smaller chunks.

I use Klarna each month to make purchases I previously wouldn't have been able to. I buy more expensive items, that'll last far longer than the likes of a Primark top. I can buy presents for family in advance rather than scraping on pay day. I know when the money comes out and with the automatic payments, I don't need to do much at all.

However on that day in Rome I felt the need to explain myself to someone who stated that the app or business itself had gotten people into debt. Because an app really gets up, walks into your house, points a gun at your head and shouts "BUY THINGS YOU CAN'T AFFORD TO PAY BACK". Obviously. If you cannot pay back what you owe that is your issue, not the app's fault. I don't see anyone screaming at banks for offering credit cards or estate agents for offering mortgage application help? 

Anyway on a brighter note, my favourite stores are pretty much, all on one of these apps, notably Klarna. Including Shein where this beautiful dress is from. It's peach, with a sweetheart neckline and structured body. Perfect in length and lightweight for the weather come the summer months. I'm very glad Shein are now on there, because does anyone else have 40 tabs open at once on the page...?

Dress gifted by Shein. Ad affiliate link. Buy here. Use code katiecouture15 for money off.
This post is not paid for or sponsored. Gifted item mentioned. 


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