Using Afterpay & Klarna | Buy Now Pay Later can keep you BROKE! [NEW]

Using afterpay and klarna will keep money OUT OF YOUR POCKETS! Because every two weeks you'll be making a payment on top of all your other monthly/weekly expenses. Afterpay and klarna are great options where you're in a bind, but why are you in a bind to begin with?

C O N N E C T

B U S I N E S S

[joshucruz]

Use it if your actually ready to pay back all those expenses

[FloEunice]

I agree 🥴 it’s definitely a trap to get in more debt on top of the monthly expenses we’re already require to pay

[Darkstalker]

If you can't afford it, don't make multiple expensive purchases. Other than that..the app is cool 😎

[samuelrobinson]

Thanks for the video and great content. This is a great service as long as your responsible and disciplined

[ariellechisolm]

Eveything you said would be resolved if people just spend wisely. I wouldn't use afterpay or klarna for more than one thing.

[LiveLoveLaugh]

I am honestly so ashamed of the debt I have. I was stupid and didn’t do any research and now I’m facing the consequences! Please DO NOT use these apps. They are dangerous and can get you in serious debt. Luckily I have an amazing father who has planned a budget for me and is helping me.

[Darkstalker]

I would rather use Klarna than a credit card 😅

[raian]

I dont understand. So basically afterpay is a app that lets you pay something but over 2 weeks at a time. I seriously dont understand how its a trap when legit THEY ARE TELLING YOU what it is. Understand what the app is first and be smart with it. Unless im not understanding what is 😅

[FloEunice]

I am hollering 😂 you’re speaking nothing but facts

[kansas]

I hope your channel blows up. I just want to see more of the melanin giving financial advice and getting wealthy

[ChassyAri]

So if I ever use after pay I make sure to do it if I can’t pay the full price of something which is hardly ever so I don’t really use my after pay much but if I have to I will and I pay it off the week I get paid in full.

[lennard]

Its simple they keep feeding you interest so they can eat. It's a simple exchange but it works.

[WIEmpress]

Super late here but yess she is completely right ppl r not understanding but at one point i was paying $6-800 erv week i felt broke! Now if i use it on a Tuesday cause i dont have all the money as yet b4 payday, i pay it all off by Fri it does keep u broke n in more debt weekly if u don’t watch how u spend

[Link]

DO NOT USE AFTERPAY!!!, I posted an item back to eBay that was not as described that cost $1000, eBay marked it as refunded to Afterpay after the seller got it back and it’s been 3 months and I still don’t have my money back, Afterpay claim they haven’t received the refund from eBay, because I only paid the first $250 Afterpay have now put me onto a debt collector chasing me for the remaining $750, I did nothing wrong and Afterpay couldn’t care less about going to eBay to resolve it only chasing after me!, there absolute mongrels!

[KylieNelson]

don’t complain about something you don’t have to use I don’t understand what the problem is I use afterpay all the time with no issues

[NaijaSavoryTrail]

I want to know would you receive the order before the payment is completed

[sade-tr]

So is it like a loan or like a layaway

[ezinnaelliott]

Thank you so much 💓 I was getting ready to buy some wigs from Luvme hair!

[cosmeticsandpurseswithevelyn]

Interest intetest Fee? Not for everyone using 'klarna' if they dont have good credit, and the $8 late for Afterpay fee does get reported to the credit Bureau others have spoken about that part right here on YouTube. I copied & pasted the info here/How much interest will I pay on Klarna? Good to know: Our Financing products are issued by WebBank (member FDIC) in partnership with Klarna. The Annual Percentage Rate (APR) for purchases is between 0-29.99% Read our Terms & Conditions for more detailed information about Financing.

Does late payments on Afterpay affect credit score?Afterpay reserves the right to perform credit checks and to report negative activity on your account, which could result in a black mark on your record, just like with any other source of credit. This includes things like late or missed payments, defaults or chargebacks.

[amgfields]

So your basically saying just be responsible and pay payments for one thing at a time