this post was submitted on 10 May 2025
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Buy European

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[โ€“] hendrik@palaver.p3x.de 46 points 1 month ago* (last edited 1 month ago) (2 children)

Though, Klarna really isn't a good company. I read a lot about collection letters, low-quality service, non-existent customer support, so you can't even settle things, not doing a lot against identity theft, layoffs... They're a Swedish company, so European. But that's pretty much all the positive things about them.

[โ€“] jmcs@discuss.tchncs.de 15 points 1 month ago

On top of that they are firing half of their workers and expect the other half to do all of the work because of โœจ๏ธAIโœจ๏ธ.

[โ€“] sunzu2@thebrainbin.org 10 points 1 month ago (1 children)

Correct... It is a disgusting money changer that trying to middle man shit that doesn't need a middle man.

But people use it.

[โ€“] Brewchin@lemmy.world 5 points 1 month ago (1 children)

Hard agree. Legalised loan sharking.

They seem to appear a lot in these "buy European" communities. Still trying to work out if it's me (bias, etc), if people are just desperate to share any "made in EU" content, or if they're doing guerilla marketing. ๐Ÿคทโ€โ™‚๏ธ

[โ€“] dan00@lemm.ee 5 points 1 month ago (1 children)

They are doing marketing. I feel many companies are reading lemmy and try to gauge sympathy and market reputation.

Klarna pr marketing if you are reading, i hope you get explosive spray diarrhea.

[โ€“] sunzu2@thebrainbin.org 2 points 1 month ago (1 children)

Corpo parasites trying to grift on organic sentiment...

Welcome to the modern world ๐Ÿคก

[โ€“] dan00@lemm.ee 2 points 1 month ago (1 children)

Thatโ€™s why shitting on them is never enough. Corporations are not people, bullying is fair game.

[โ€“] sunzu2@thebrainbin.org 2 points 1 month ago (2 children)

Corpo inherently is a threat actor no matter the context.

Employment or customer relationship... Doesnt matter. It is an enemy

But some how propaganda got these peasants simping against their self interest.

[โ€“] hendrik@palaver.p3x.de 2 points 1 month ago* (last edited 1 month ago) (1 children)

I think it's called blind actionism. But I feel (your) strong words won't help here. People need to be educated. And it's not like they have a good option to pick. The options with payment providers are mainly: bad and worse. But you should be aware once you sign a contract with the devil...

[โ€“] sunzu2@thebrainbin.org 1 points 1 month ago

Cash, debit, credit, and then loan shark.

Klarna is a loan shark.

[โ€“] dan00@lemm.ee 2 points 1 month ago

"Bro one more loan please. This is european debt, this is the good shit. I swear that mcdookie is worth it. Pls bro sign up, I need a promotion... "

[โ€“] dan00@lemm.ee 31 points 1 month ago (1 children)

Excuse me, are we promoting Klarna here? Do you want to see me mad?

[โ€“] albert180@piefed.social -4 points 1 month ago (1 children)

Why would you be upset about the only European Payment Processor?

[โ€“] dan00@lemm.ee 14 points 1 month ago (1 children)

Ah okay, you want to see me mad.

Klarna, like any of the other โ€œsmall loansโ€ or โ€œget now and pay laterโ€ companies are slimy bag of shite parasites of society. Their business model is being a shark loan on hungry and poor people.

These are the disgusting pieces of trash:

One day their faces and names will be removed from the website but their crimes wonโ€™t. Mamma mia.

[โ€“] albert180@piefed.social 3 points 1 month ago (2 children)

Ok, are you also that mad about Credit Cards or PayPal?

Or are you just mad about Klarna because they've got the most media coverage?

[โ€“] Squizzy@lemmy.world 7 points 1 month ago (1 children)

I dont think they are a fair comparison to what essentially pay day loan companies.

I am happy they are european, it means not just their operations but their data is probably to a higher standard. That said, they are absolutely everywhere now encouraging people to over spend and making everyday items more expensive for the lowest paid class of people.

[โ€“] albert180@piefed.social 2 points 1 month ago* (last edited 1 month ago) (2 children)

Klarna offers many payment options. (Credit Cards, Instant Bank Transfer from your Account, SEPA Direct Debit, by Bill etc...) Buy Now Pay Later is just one of them.

There is no difference to PayPal or CreditCards where you can also buy stuff with money you don't have (hence the "Credit" in Credit Card) or PayPals "Pay in 30 days or installments"-Option.

Or what am I missing?

[โ€“] Squizzy@lemmy.world 3 points 1 month ago

I was referring specifically to buy now pay later, like humm. I didnt know paypal offered that, they sucked way before that. Credit cards seem to have stricter controls on them.

[โ€“] dan00@lemm.ee -2 points 1 month ago (2 children)

We donโ€™t usually use credit cards in europe. We donโ€™t have credit scores here, the majority use DEBIT cards. Which is the opposite.

[โ€“] albert180@piefed.social 2 points 1 month ago* (last edited 1 month ago) (1 children)

We donโ€™t have credit scores here

That couldn't be more wrong, at least in Germany we have SCHUFA scores, which are essentially the same. You won't ever rent an apartment, get a bank account or a phone contract without a good score with them.

And Credit Cards are also widespread. True we don't use them in everyday life much, but for travelling abroad or online Shopping. And the Debit versions become more popular in the last years. But for renting a car and stuff the "real" credit cards are still essential

[โ€“] dan00@lemm.ee -2 points 1 month ago (1 children)

at least in Germany we have SCHUFA scores

Literally the only country in continental Europe. Ahah Yes, very smart ๐Ÿค“

[โ€“] albert180@piefed.social 2 points 1 month ago (1 children)

Literally the biggest economy and country with the most people in the EU. Ireland has the ICB Austria has the KSV1870.

And the other countries have also alternative schemes in Place where data about unpaid bills/debts is stored. Like the BKR in your home country Netherlands.

So, no we're not literally the only country in Europe that has credit ratings/scores.

Get your facts straight

[โ€“] dan00@lemm.ee -1 points 1 month ago

:( I'm tired, this is stupid. European credit history (if you ever been in debt or late on installments) is very different from the credit score in US and, apparently, Germany (I wonder why). Ehi, you wanna support shark loans? Be my guest but don't expect sympathy.

[โ€“] j4yt33@feddit.org 1 points 1 month ago

Have you ever been to the UK?

[โ€“] dan00@lemm.ee 0 points 1 month ago (1 children)

Yes Iโ€™m also very fucking mad about those but it doesnโ€™t seem the topic of the thread.

You are welcome to do more whataboutism and prove even more that you understood nothing about the topic.

Perhaps you also wanna share why you support parasites? Please, teach me.

[โ€“] albert180@piefed.social 3 points 1 month ago* (last edited 1 month ago) (1 children)

Because they offer many more legit payment options than "Buy now, pay later". And I very much prefer to use Klarna when paying online than PayPal, because at least the money doesn't go to Trump. SEPA Direct Debit is my favourite, but it isn't offered in many online Stores.

You've already forgotten where you post?

How do you pay for your online Shopping? By Carrier Pigeon? Or do you mail the money physically in?

I guess not, and that you are using either Credit Cards or PayPal

So stop being a hypocrite

[โ€“] dan00@lemm.ee -2 points 1 month ago

Damn, you got me wow. ๐Ÿ™Œ

The main business model of Klarna is buy now pay later, they do other stuff because this is fate of corporations aiming for monopoly.

Now itโ€™s the onboarding people/losing capital moment, they will also suck your dick if you subscribe to the loyalty program.

Regarding my personal life (which is none of your business) I shop locally and pay cash. If I really really have to shop online i use local payment processors like SEPA, satispay or ideaal (we have many) or in extremis my debit card. More questions?

[โ€“] koper 5 points 1 month ago

Sorry I cannot decipher this post.