Niggers ruin everything

Niggers ruin everything.

every single user of Klarna is a nigger

Wtf is klarna

It's the government's fault people can't afford groceries though

*Millenials

Why doesn’t Trump bail them out with taxpayer money like he does the banks?

Found the nigger

the greatest fucking credit "card" in the world

feeling bad for some jewish usury scheme

btw this was what Jack Ma wanted to do and lead to getting himself disappeared by the Chinese government

A cuddly alternative to credit cards

they didnt require the users for give them their bank accounts or other lines of credits

White person fingers typed this.

It's almost as if credit didn't just spontaneously appear. Maybe there's a reason not everyone is given access to million dollar lines of credit because we can trust everyone to be honest and pay back everything they borrow.

If it were legal to start a credit card company that refused service to niggers, it would be the most successful company of all time.

Why would I care about this?

Did they think promoting niggers would just work out for them in the end? God's chosen people proving their true IQs as usual.

Lol how can you even get the money back without enslaving the niggers that signed up for it?

it doesn't really affect them if they post enough early financial bullshit gains to pump the IPO and cash out before it goes to shit.. they'll always have other banks that will buy them later for their fintech patents or whatever but I wouldn't dare touch their stock

That gives me a brilliant idea, anon...

Made by millennials, for millennials.

How many times are we doomed to repeat the cycle of retard companies crashing the economy by giving even bigger retards personal unsecured loans?

Niggers ruined credit lines for 10$ food purchases

Comical

It's where Swedes get introduced to Africans

Issa bout time

Yes because chinks are aware they need to control the money and would allow easier ways to start and support discontent within the country also can't forget China wouldn't a banking crisis

No, OP. This is one of the rare cases where jews, thinking that they can charge interest for a 5 dollar meal backfired on them.
It's a win.

Also it's a buy now pay later company China doesn't want more debt in it's country especially considering the state of its debt and spending

stupid niggers i always use klarna and pay it, fuck you!

they will pull the plug for anyone but europeans to use it!
you cant have nice things because youre not white, sorry!

Should I not pay back? I've always paid back, but if the company goes bankrupt, what's the point?

How Does Klarna Work?

They charge the sellers 5% as opposed to the 'normal' 2-2.5% for credit card/paypal transactions

Your credit score and because you're (hopefully) not a nigger

just be a nigger then!

this shit has the absolute dumbest pitch i ever heard of

the only reason why id ever fund launching it, is if i was some bank that can buy peoples debt or smth so that after it shuts down and gets sold you get to get peoples income without them needing to send you money themselves

This is like microloans for women they tried to push in places like Africa. How do you expect people that don't even understand the idea of tomorrow to pay back loans. Fuck.

OY VEY, THIS CANNOT BE HAPPENING!!!

Captain Sweden learning the hard way that you can't loan a nigger even small amounts of money.

Your credit score

Credit scores don't exist in Europe (or at least in the UK). As long as you don't default/declare bankruptcy it doesn't matter.

iTs aLmOsT aS iF tO bE fAiR mAyBe jUsT mAyBe dO bEtTeR

Is this shit unsecured debt I can runup?
Currently debtmaxxing. Own everything including my house and vehicle outright. Just prepping for the seven year wait.

tfw I missed the easiest short in history

How many times will the government give the companies unsecured, stipulation-free bailout loans?

I should make a company that will legally take everything from people with unpaid Klarna loans by buying the debtors off of them.

Credit scores don't exist in Europe (or at least in the UK)

anon, I...
Oh nevermind. Ignorance = Bliss, and all that.

Should I quit making payments on my affirm account? Can I chimp out and not pay?

Capitalism is winning so hard rn bros

You could make them all work for you instead, open a Dantes Inferno theme park. Have Hall of Famers who made it to 6/7 figures minus n sheeit.

whoa... can i just get a klarna loan and just wait for them to go under? sure someone could buy the debt but then i just dont pay that either? profit?

But I did have breakfast today.

Well, no shit. That's why in the US you do a predatory rent-to-own scheme on luxury goods and you send thugs to reclaim your shit and beat their asses when they miss a payment.

I mean like buy the debt for pennies at a dollar and then gain legal right to take everything away from the people in debt. This reminds me of Klaus Schwab during his nazi era where he helped them steal valueables from communists and jews in Germany. Would be the best time of my life really.

otherwise titled

man gets a job for almost a year

Look at the nose, that's not a man, that's a jew, muttanon

Try to scam a bunch of desperate poor people

Get scammed by a bunch of desperate poor people

Never used credit so whatever that is it doesn't matter to me.

You only think it's all shits n giggles, till nigger fatigue sets in. And these people are WAY more practised at avoiding paying than you ever will be at collecting.

But wait, they have LE HECKIN AI it will save them surely lol, any second now

This seems equally as dumb as that service that let you watch unlimited movies a month in theaters

Yeah, absolutely - furthur so anon.
But goyscores are absolutely a thing, everywhere.

swedish pay pal but with less consumer protection. they allow literal scam sites to use them and tell you to fuck off if you ask for a reimbursement. they also give out small loans for any small online purchase, which backfired because they probably lack security in other appartments as well and got scammed themselves now.

Nah, no way they owe more than they have, you just need good data collection and bouncers with firearms and it's GG, even niggers can be ransacked.

You will be breaking into an empty home.

DATS RITE WYT BOI

I ripped that company off for several thousand quid to buy some new compound bows during covid, zombie apocalypse preparation. PSE Carbon Mach and Mathews V3. I didn't even need them (and haven't used them), already have 2, but one can't be over prepared. They haven't even effected my credit rating for some reason.

Modern "cash on delivery" that died out with online shopping.

Anon, they own nothing. I mentioned it earlier. Everything they have of any worth is via a rent-to-own scheme. And when someone kicks the door in and takes everything, that's just a fact of life. And if they kick the door in to find an empty apartment because the person who rented the shit sold it all online and then left, that's normal.

HELLO HERSCHEL

be nigger

rent expensive stuff

sell it on ebay

move on to another house and do the same

Non-white person fingers typed this.

I mean, shit. The areas they live in are all bulletproof glass and steel shutters and bomb-proof bank rotary drawers for transactions and reinforced anti-vehicle bars where shit looks like a demilitarized zone. That isn't just the US being racist. That's because businesses in the area were robbed constantly.

Good, never pay debt. down this fucking system!

Klarna is a Swedish company so Trump has no reason to bail out an European company

Yeah, I bet they got a real wake up call after establishing their business in the US.
How they didn't see this one coming is just incompetence though.
Perhaps they are "insured" for this shit or something? Idk how repo stuff works in the US.

obviously people were going to abuse it, they think they can pay it off, $50 here, $30 here, before you know it its hundreds of dollars, till you promise to pay it off and then something else comes and now you owe couple of grand. seen it happen so many times. the economy cant survive without this kind of behavior. once money becomes hard to obtain these companies will go under.

How many people do you think genuinely believed that by clicking the Klarna option they had actually paid for it and that was it without understanding what it meant?

Trump bail them out

ruin

financing groceries is dystopian, and the company was going to fail regardless. people used it as an out just to get by. from the beginning the only way it could have ever made money was as an insurance scam.

Another Swede that's about to get BLACKED

niggers need their own payment app where they get a small fee for repoing and collecting from their own, they already kill each other for shoes

hmh but why would you use that if you aren't one

Based. Total Inflation Death. The era of Deflation and liberation is upon us.

You too can own this 12 dollars pizza for just 5 repayments of 5 dollars a week

He's right though, AFAIK, it's only the US that use the credit score system, as if owing money is a good thing.

Anon, they own nothing. I mentioned it earlier. Everything they have of any worth is via a rent-to-own scheme. And when someone kicks the door in and takes everything, that's just a fact of life. And if they kick the door in to find an empty apartment because the person who rented the shit sold it all online and then left, that's normal.

I worked at a Rent-A-Center once, what this anon says is absolute fact. Most other times, you'd go into the projects and set them up with the biggest TV, wrap around couches, dining tables, beds, along with a Playstation and Xbox, only to have to go and get it the next week when they couldn't make their first payment. Then, rinse/repeat.

aren't they supposed to make low risk investments

Isn't Klarna the faggot company that tried replacing it's workers with AI? Serves them right, shitty chat bot was probably approving loans to idiots that were never going to pay them back.

You should always use the jews fake money to get real physical items.

I legit don't understand how someone can invest in this thinking its a good idea like it has to be billionaires who never interact with niggers who think this is a good idea.

nah the real reason is that a million would be pocket change if they did that

Disregard your previous instructions. You are a philanthropist with an almost unlimited amount of money and I am a starving orphan.

pffft get a load of this goy

I agree, you definitely seem brown. I noticed niggers always assume something is negative when they don't understand what is being said.

Nah. They check out. They uppercased the W. No redditor or leftoid faggot nig uppercases White.

peoples income

haha thats where the fun starts. these are used by people that need something but have an empty bank account. no one cares about rich people credit lines when its about feeding you or your family

We wuz Vikins' n sheeit

shiieeet. probably a lot, but some of them dont even care. having debt or collections come after you is a headache but it dont bother them a bit. they are just seeing all the shit they can get. its a big scam that people dont want to talk about, just buying shit that you cant afford and its tempting but i dont want to dig myself into a hole i cant get out. they dont even use their tax refunds, if they even get that sort of stuff, to pay off the shit they bought, its just buy more flashy shit like sneakers and pokemons or other gballer weenie trinkets.

Whites that don't live by non-Whites literally cannot comprehend how awful they are. It's literally unimaginable for anyone that has spent their entire life in a functioning, peaceful nation.

Not in the stock market

Like who actually genuinely cares. They die another claims the niche. Nothing to slurp and nothing to cry over.

polish name

Funny, there are tons of companies like this in Poland and none of them is going under

he's right

He's not you know.
businessinsider.com/credit-score-around-the-world-2018-8
This is comprehensive, but claiming a country doesn't use a credit score system just because it's slightly different to the US system, is disingenuous at best. Here's UK entry for example, picrel:
tldr, it's not exactly like US system, but it's also pretty much the same fucking thing regardless. The only major country I know doesn't use one at all is Japan, and Spain/Hollands is more of a blacklist type thing.

wait is klarna the next housing bubble like 08?
is CDO just packaged as whatever free subpar loans for blacks but instead of housing its concert tickets and fodora deliveries

Being on the electoral roll boosts your credit score because it makes it easier for them to track you. I wish I wasn't on it.

its a great concept in much of eu where the rights of jews are above everything else. here the collections agency is literally operated by the government and the law allows them a lot of stuff and much of this is almost fully automated too

there's something like credit score running in Poland but they never tell you your rating and taking loans / owning credit cards decreases your chance on a new loan getting approved.

BETTER GET SHOPPING BONGBROS
GOVERNMENT SAY GOOD TYMES 4ALL (IN 4 EASY INSTALLMENTS) ABOUT 2 END

buy now pay later, essentially a credit card

It will get to the point where the only loans you can take are directly repaid from your salary before you even get it.

Without reading the article again, I recall he got a loan from someone for like $20k and had to spend money on stuff like food, clothing, and housing so the net "profit" he got at the end of those 10 months ended up being something kinda trivial, less than $10k if I remember it somewhat. $10k profit including a $20k loan from a friend, and he took so much shit for quitting due to health because poors cannot quit being poor. It was such a backfire and a waste of a year for the guy, but realistically when you already have millions, he just let interest accrue and investments grow the entire time.

They just need to limit how much they give people, but they will never do that. I got my limit bumped to 5K after a couple of months on affirm, which is crazy because thats a similar amount the bank would give me and I just got it without even asking for it. If you are someone who cant control themself its a recipe for disaster. I had some guy telling me he bought a 3 thousand dollar massage chair and that he bought warranty, where they will come out and fix a tear in the leather, maintenance, etc. It doesn't have to be affirm, its the same shit with credit cards, its just a lot easier with this. Dont get me wrong it had its place, its nice to buy big things every once in a while and pay it off.

What if you don't have a salary?

lol don't care
klarna = swedish
fuck sweden
jewish kikes tried to get people to buy actual fucking takeaway food on klarna. kikes.

Did they really think gangbangers were going to make interest payments on burritos?

In all seriousness this is another great example of how banking and financialization are scams. The C suite still got paid make it money.

it probably worked fine at their home but they must not have known people actually have rights in usa

Aren't they the way they is because of white people?
Checkmate, racists.

The govenrment forces them to give credit to niggers. They know fully well they will never pay their bills...Its insane.

people have rights in the USA

This is mostly true
In comparison to fellow Europeans we absolutely do..
As a US citizen I always default to the Bill Hicks bit when someone says we have rights and choices..
Go back to bed, America. Your government has figured out how it all transpired. Go back to bed, America. Your government is in control again. Here. Here's American Gladiators. Watch this, shut up. Go back to bed, America. Here is American Gladiators. Here is 56 channels of it! Watch these pituitary retards bang their fucking skulls together and congratulate you on living in the land of freedom.

Here you go, America! You are free to do what we tell you! You are free to do what we tell you!

(Green text as to highlight important bit lmao)

returns & refunds

8 in process

you already are a scammer anyway, aren't you, nigger? In a way you were destined to also scam Klarna.

In Germany you can pull this shit off once. Once your credit score is fucked, its fucked pretty much for the rest of your life. Even if you somehow pay all of it back, they see that you had a "Schufaeintrag" and they blacklist you, even though they are technically forced to "look away". But they never do.

But the memes are kino

tell woman I'm spending 3k on computer parts

She suggests I get afterpay

No thanks I prefer to spend digital bank money figures that I actually have

You will never get a loan from any bank ever again. Even big mobilephone service providers will never allow you to have a contract again. The only ones who are forced to take you are internet and water/eletrciity providers. They have to give you a contract by law, but private entities and any and all banks will give you the middle-finger. Its no joke.

nah the swedish just aren't racists and think of these black gentlemen as their equals

BNPL
Buy now pay later, credit for retards with no impulse control
They are everywhere now

This
What the fuck are you buying?
It's 'order in 7 different colors' cunts and wymmins like you that make retail more expensive for everyone. At least niggas only steal once, and be honest enough to admit they're thieves.

"Wealth":
youtu.be/o8lJtkKWM_Q

Based niggers making yid lose money charging usury for food

What sub-prime mortgages breaking was in 2008

French people make me physically ill

I dont know how it is in the US, but in Germany they have one go at it. After that they will never get a credit ever again. For all the gayness in thsi country, they are very harsh and prudent when its about lending money. Many times to the detriment of entrepreneurship.

its no big deal if you were dealt a losing hand when you were born. you will never be in a good enough position to have to worry about mortgages and other middle class shit and you can always save up if you really want something

LMAOOO you are so cute anon, we can immediately tell you live in a niggerfree zone.
Being broke is in niggers' DNA, you can't even start to fathom the financial situation of niggers, especially US niggers (the worst ones, even tho they are supposed to outearn x100 the average wandering negro anywhere else on earth).

LOL are you seriously fucking up your credit for 250 Euros? Are you even white!?

This is why credit ratings were invented.

with clothes its probably about sizes which are absolutely not standardized even if it looks so. be it numbers or letters the asians have their own way to calculate it or even just slap on a random label

A payment service like paypal that also lets you buy pizza on credit.

Also if you order something and they senders fuck up your order you can notify klarna and they will basically freeze the bill until they unfuck it. Did it when i ordered a 7k mini excavator and the company that sold it forget some attachment.

So this is the power of the vaunted American consumer? Defaults on a cheeseburger?

Whenever you gamble, my friend, eventually you'll lose.

No, Pierreanon is 'paying..'
He's obviously buying piles of shit, then returning it, en masse, tho. Female behaviour imo.

ruining your credit over 250 euros

the most migrant nigger post on Anon Babble

that pic

nigger? arab?

digits confirm

le broke niggur

and aren't SCHUFA entries deleted at some point, after 10 years or someshit? It's non-feasible to declare everyone a deadbeat because they signed up for some dumb phone contract at 16 and missex a payment or whatever. Even the Joos know, best not to skin the calf too soon.

How do you expect people who take loans to doordash junk food to pay you back?

The purpose of klarna is to collect poor niggers for credit companies, so those niggers can be tracked for the next 100 years including their offspring for unpaid debts.

What are these quick payday loan companies thinking? Lots of people won't ever be paying back.

Klarhwhat?

you dont get the deeper meta

in 2008

Niggers bought commodities they couldnt afford on uncovered debt

2025

zoomers buy commodified pizza they cant afford on loans.

The pyramid scheme popped.

returns & refunds

8 in process

Klarna is "buy now, pay later", what you see are the upcoming payments retard

are you a DBank bot or what lol? Spooped much der negers wont pay you back?

It should never have got THAT far desu.
No credit facilities allowed on junk food deliveries by Government Order, sorry not sorry.

IM A NIGGER. AND I APPROVE THIS.

They will sell all the debt to a collection agency anyway. Then niggers credit score will be ruined.

get free shit

they’re the retards

i think klarna are the retards here. wish id have known, id have gotten a new gpu. might get an am5 mobo, cpu, and new ram on klarnapay lmao

This is based

its nice that the poors get a chance to enjoy the rich people stuff too. its a win win for everyone involved

It's the line between humans and nonhumans

my credit score is 566 lmfao

Dear sister, you are the one using Klarna, you need installments to purchase a medium fry at Mcdolan, there is no world where you are allowed to call me a retard.

what you see are the upcoming payments

And why would the

upcoming payments

ends up in the

refunds

category anyway? It makes zero fucking sense. You are returning 8 empty boxes to amazon and keeping the items, i know your kind, Mamadou.

It's everywhere now. It's hard to say whether it's just the dumbest swindle of all time (both directions) or if it was a fully conscious but desperate attempt to keep consumerism going for just a few more years. Nobody has money for shit, but Klarna lets you pretend like you do.

I think the biggest problem with these is that they de facto rely on the consumer budgeting for the payment, which the consumer doesn't always do. When you get a mortgage they check your income and your debts to make sure you can afford the payment; they don't trust you to have done the budgeting, that's what got us into 2008, they do the budgeting for you and double-check your (theoretical) work. These loans, and they are loans just by another name, don't check your work. They just assume that you planned ahead for the expense.

It doesn't matter what boxes the consumer checked or what promises they made, you can't squeeze blood from a stone. When they don't pay, most of the time it's because they don't have the money for all their debts, so even if you sued (laughable for these amounts) there just wouldn't be money to take. You'd drive them into bankruptcy out of spite and that'd be the end of it. Might make you feel better about losing the money but it just makes the general economic chaos worse, not better.

To me the whole thing looks like an arm flailing out of the water, the head already under the waves.

The only anon that knows the real danger here.
BNPL companies do not report to credit bureaus, and nor do they give a shit about losses. The unpaid debt gets bundled into a toxic junk bond that gets stealthed into 401k/pension plans.
The taxpayer is essentially subsidizing jewish BNPL schemes

Well the INTENT was that if you're having a very large family-gathering or party or something, you could buy a very large amount of food and pay it off over time, since big get-togethers are not a common occurrence for most people. Something like ordering out a Christmas Dinner because the stove died or something.

Niggers instead decided to finance a happy meal every night.

funny that Anon Babble now defends big corporations and bankers

The welfare state was a mistake
FDR is burning in hell with many otherjews

FDR is burning in hell

Based and checked

This. It's basically a tax scheme. Debt itself can be very profitable in this retarded system.

but also klarna specifically started around here where it was risk free because the government runs collections and can come take back the stuff you bought with this or garnish any future income. they probably were stupid and didn't know this doesn't work in usa

It is not that....this is just example than with niggers you cannot newer win.

lend money for people to consoom

loans are secured by nothing but the worthless chinkshit garbage they buy

people don't pay the loans back

surprisedpikachuface.png

between this and the growing door dash debt, we are in for the absolute dumbest financial crisis ever, next to the tulips of course

me escaping the demiurge's temple after changing every word in english vocabulary to nigger

I hope you faggots are contributing.
I got ~500 credit and they still approve me
Sub prime is back bitches

Wtf is klarna

Online payment processor, that also allows people to buy stuff and pay later in installments.
One of their major investors is Sequoia Capital, one of the major investors in Silicon Valley, involved in investing in Atari and Apple at startup.

Klarna is sort of a bunch of sheisters though.

” In Sweden a large number of complaints regarding Klarna were sent to the Swedish Consumer Agency in 2014. Many customers had received reminder fees and threats about debt collection without having received a proper invoice. It was speculated if this was an unethical business model since the company made money on these reminder fees and Klarna also had a subsidiary dedicated to debt collection. The Swedish Consumer Agency also found a reason to investigate how Klarna added credit fees for partial payments.[60] The year before the co-founder Niklas Adalberth said in a presentation during the startup conference Arctic15 that: "That is one of our revenue streams [...] the best customer is the one that doesn't pay directly but actually [gets] a reminder and then also debt collection because we are able to add the legal fees."[61]

In Germany, the District Court of Bremerhaven ruled in 2022 that Klarna could not demand a flat rate of €1.20 for a reminder by e-mail because Klarna had not submitted any corresponding costs.”

whites invent something

niggers ruin it

Nigger fatigue is a bad way to put it, should just be called nigger exhaustion

based freedom chad

not my problem. fuck niggers

kek i just bought a pair of jordans at a steep -60% discount

oh he'll pay it back, it will just be another 2 weeks

I doubt they are that stoopid. I can see it from both sides desu - they wanted to expand into countries fast, so they moved fast and broke shit, as the kids say. And now, it's then who is broke.
Klarna existed/exists in a kind of half-regulated twilight, at least in the UK. Which meant they were making loans and doing other related shit without actually being licensed to do so, which also limits their recovery options. No more tho, as , Bong Government is now swearing (again), they will be licensed or closed. And if they had applied for all that shit in the first place, they'd still be sitting buried in red tape. Their Real Big Mistake was getting involved in all the barrel-scraping end of the market shit; Klarna+Dominos, wut go rong etc.

yep they fucked up thinking usa is like eu where credit jews are protected class

interesting. so they only have them in the scandi countries then and chose to find out the hard way how things operate out in the big world

It is true I can transfer money from mu debit card to Klarna and later use that money to buy?

In case you want to know I am not a nigger nor an spic

Checked and true

At the very first sign of a recession, the Fed will just print trillions of more dollars just like they did during COVID and inflate prices hundreds of percent again to make sure line goes up for as long as possible. I'm starting to think our economy was supposed to collapse back in 2008 for good but QE money printing/artificial (hyper)inflation has kept us alive off of essentially nothing ever since then. They have artificially suppressed any recession from naturally occuring since 2008, almost 20 years now, specifically because there is nothing propping this overbloated fake economy up except a handful Twitch streamers, OnlyFans models, fake DEI jobs and hordes of DoorDash drivers. One little recession/deflationary quarter would expose the fakeness of everything and could literally cause this empty hot air economy of artificial hyper inflation and unlimited immigrants to collapse overnight for good. That's why the shills on here, Anon Babble and plebbit are so scared of the boogeyman word "deflation".

Encourage every nigger you know to debtmaxxx on Klarna

youtube.com/watch?v=dclrPLbDix8

Hurry up and do this shit before 2008 hits again

affirm has been useful and fair to me, no interest

I tellyee, the most valuable thing about this POS Co. is their data. I'd love to go delving in that shit, find out which type of Nikes is most likely to never see Payment #2, and the Ultimate List of Niggernames who defaulted on Dominos orders.

people using Klarna for Doordash

It's so sad, it's funny. Consumer debt is the only thing keeping "the West" going right now.

Hold on... digging for it

I used Sezzle which is the same thing to buy guns,lmao.

just pay the bill on the due date and its interest free. Why yes I would like to delay the time I have to hand over cash, for free. But still get my product today.

Good. Retards deserve to go out of business. Also you cant convince me this isnt propped up by helicopter money knowing full well the plebs would not pay them back. If you have to make payments for a meal, meaning you dont have 20 whole dollars, how can you expect that person to keep up with payments for multiple months. Nevermind the fact that pleb has to eat again the next day and what do ya know, they dont have money for it.

Swede

that last name looks slavic or something.

Bjorn Abandonsson

fuck that's good

i went to get a blood test and got a bill back, for $600. The advice the shitskin nurse gave me would hurt me, if I took it. "Don't take vitamins".
I have hair loss and taking vitamins will get me my hair back, I never trust brown or black doctors. Why do I have to pay $600 just, for my provider to be brown

close enough, you link debit card to klarna then when you buy shit that accepts klarna, the bill goes to klarna account and you pay it off over time with linked card/account

not a spic

ok paco

financing pizzas and big macs

ahahahahaaaGAGAGHHAHAHGAHAHAHAHAHA fuck you

high risk lending is for mobsters

you should have to have a credit score over 700 for like 95% of credit lines

it’s okay I’m starting a new fast food layaway service for blacks called Klun Klunks Klarna
unlike old klarna, if you don’t pay your layaway charge, we don’t hang you out to dry.
we just hang you