Comment on Finally paid off my Costco hotdog 🙏

Stillwater@sh.itjust.works ⁨1⁩ ⁨day⁩ ago

• CaptDust@sh.itjust.works ⁨1⁩ ⁨day⁩ ago

  Pay in 4 is usually zero interest, but they’ll stack heavy late fees if you miss it.

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  • PhobosAnomaly@feddit.uk ⁨1⁩ ⁨day⁩ ago

    “why can’t we get a mortgage?”

    “Well I bought a hot dog on a payment plan for a laugh, and I defaulted on a 38 cent payment”

    “oh no”

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    • jj4211@lemmy.world ⁨20⁩ ⁨hours⁩ ago

      Conversely, you can’t have a house, you have no credit.

      Fine I just paid off a 1.50 loan for a hot dog.

      Ok, now you can borrow 500k because you proved yourself responsible with $1.50

      Reality isn’t too far off, back in the day I couldn’t get a loan because I had zero credit history, but then could get a mortgage after a few months of getting a credit card with like a 500 dollar credit limit.

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      • Trainguyrom@reddthat.com ⁨5⁩ ⁨hours⁩ ago

        When I was a young adult I bought my first car with a loan because my girlfriend at the time relied on her parents old van which had the engine die (I very recently learned this was due to off label oil change practices her ex told her to do when he worked at the Walmart auto dept)

        Anyways since I had basically no credit history, I ended up with a 22% interest loan on my car! I didn’t know what I was looking at in the paperwork and the sketchy dealership my BIL insisted we go to flat out was “joking” "oh you don’t want to read that. Just sign here!’

        Once I had a chance to look at what I signed I quickly opened a bank account and got that loan refinanced down to an 8% interest rate. I also learned that it had some extended service plans added on that I didn’t know about which didn’t cover anything that wasn’t already covered by the manufacturer warranty.

        Later on I went back to college, pulled equity out of the car and refinanced it again down to a 4% interest rate, then a few months later I totaled it hitting a deer.

        I kinda forgot what my point was in sharing this story but here we are I guess

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      • MNByChoice@midwest.social ⁨18⁩ ⁨hours⁩ ago

        Back in the day, one could get a credit history by being listed as an authorized user on someone elses card. One never needed physical possession of the card, nor needed to use it.

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• SatansMaggotyCumFart@lemmy.world ⁨1⁩ ⁨day⁩ ago

  I have plenty of interest in hot dogs.

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  • Lost_My_Mind@lemmy.world ⁨1⁩ ⁨day⁩ ago

    Ha ha! Phallic penis joke!

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    • normalexit@lemmy.world ⁨5⁩ ⁨hours⁩ ago

      Can’t a person just enjoy some dick shaped food in the privacy of their own front yard?

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    • ShaggySnacks@lemmy.myserv.one ⁨22⁩ ⁨hours⁩ ago

      I read that in Phil Sebben’s voice.

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    • SatansMaggotyCumFart@lemmy.world ⁨1⁩ ⁨day⁩ ago

      The post nearly has a hundred upvotes I’m not the only one interested.

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    • shutz@lemmy.ca ⁨22⁩ ⁨hours⁩ ago

      Or it’s about bestiality.

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• bdonvr@thelemmy.club ⁨22⁩ ⁨hours⁩ ago

  They generally don’t no.

  They get commission from the stores (because quite likely they wouldn’t have made the sale if the option wasn’t available), and also late fees

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  • morrowind@lemmy.ml ⁨14⁩ ⁨hours⁩ ago

    Also data for advertising

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