this post was submitted on 25 Jun 2025
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Lemmy Shitpost

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Alt text: Screenshot of a receipt showing payment over time of a $1.50 hotdog in four equal installments of $0.375 spread out every other week.

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[–] [email protected] 10 points 1 day ago (1 children)

If you’re financing hotdogs interest free, I have no issue with it. The currency USD has, inflation, albeit low, so this is probably not a bad idea, check your t&Cs tho.

Now if you are buying hot dogs, or any other meal, with buy now, pay later (BNPL) then it’s probably time to rethink your budget and personal finances, no meal is worth that kind of debt.

[–] [email protected] 5 points 1 day ago (1 children)

Hell yeah, when people offer me interest free loans I take it.

One time I misunderstood something as an interest free loans when it wasn't so I paid it off entirely in the first bill. Sadly, I had to pay $0.01 in interest. How will I ever recover?

[–] [email protected] 1 points 1 day ago (1 children)

I mean the interest in a loan is basically an expression on how much they estimate the risk is for you to default on the debt itself

It's fair to apply it, as it is also fair for you to not take it, all things considered

[–] [email protected] 1 points 22 hours ago

I'm not actually losing sleep over the penny lol

[–] [email protected] 185 points 2 days ago (1 children)

Costco's co-founder, Jim Sinegal

[–] [email protected] 64 points 2 days ago* (last edited 2 days ago) (1 children)

the amount of consumer goodwill that statement bought easily pays for any losses from the hotdogs. companies seem hellbent on torching their brand reputation for short-term gains these days. little gestures go a long way.

[–] [email protected] 2 points 1 day ago* (last edited 1 day ago)

Also my mum brought me some costco hotdogs the other day. It's hard to get good American food in grocery stores here in Australia but those delicious smokey dogs have me considering a membership. So good.

[–] [email protected] 1 points 22 hours ago

Congrats! Thanks Freddie Mac-n-cheese!

[–] [email protected] 39 points 1 day ago (1 children)
[–] [email protected] 6 points 1 day ago (1 children)

Fun fact: "FINANS" actually means finance in turkish

[–] [email protected] 3 points 1 day ago

Same in many Scandinavian languages

[–] [email protected] 5 points 1 day ago

"In just 4 easy payments..."

[–] [email protected] 37 points 2 days ago (1 children)
[–] [email protected] 4 points 1 day ago* (last edited 1 day ago)

I have this shirt in white and I love it. I know I sound like a bot response but genuinely I love this shirt haha

[–] Stillwater 61 points 2 days ago (3 children)
[–] CaptDust 98 points 2 days ago (1 children)

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

[–] [email protected] 113 points 2 days ago (1 children)

"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"

[–] [email protected] 26 points 2 days ago (2 children)

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.

[–] [email protected] 3 points 1 day 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

[–] [email protected] 4 points 1 day ago (1 children)

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.

[–] [email protected] 3 points 1 day ago

Still possible with AmEx, if I'm not mistaken, and in some cases can backdate your AAoA.

[–] [email protected] 37 points 2 days ago (1 children)

I have plenty of interest in hot dogs.

[–] [email protected] 9 points 2 days ago (4 children)

Ha ha! Phallic penis joke!

[–] [email protected] 1 points 1 day ago

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

[–] [email protected] 4 points 2 days ago

I read that in Phil Sebben's voice.

[–] [email protected] 4 points 2 days ago

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

[–] [email protected] 3 points 2 days ago

Or it's about bestiality.

[–] [email protected] 17 points 2 days ago (1 children)

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

[–] [email protected] 3 points 1 day ago

Also data for advertising

[–] [email protected] 37 points 2 days ago (1 children)

That's how you build up good credit

[–] CanadianCarl 1 points 21 hours ago (1 children)

Do you gain credit with these types of companies? Also they're paying an extra 4Β’, since 37.5Β’ will round up to 38Β’.

[–] [email protected] 1 points 4 hours ago

Tbh i have no clue lol

[–] [email protected] 10 points 1 day ago* (last edited 1 day ago) (1 children)

They should allow Pay in 4 for online subscriptions.

For example Netflix. Instead of paying 8€ a month you would pay €8 a month for 4 subscriptions.

[–] [email protected] 10 points 1 day ago

This has a similar energy to, "Lend me a dollar, but give me fifty cents. Then I'll owe you fifty cents, and you'll owe me fifty cents, and we'll be even."

[–] [email protected] 24 points 2 days ago* (last edited 2 days ago) (1 children)

How does it handle the half-penny? Does it round up or down, collect the remainder at the end, pull an Office Space, what?

[–] [email protected] 35 points 2 days ago (2 children)

The POS system at my bakery rounds up when it’s for a customer (getting half of a loaf of bread for example) and down when it calculates the 50% employee discount. That alone has a weirdly huge impact on my job satisfaction.

[–] [email protected] 28 points 2 days ago

typical POS behavior

[–] [email protected] 27 points 2 days ago (2 children)

Off topic, but I will forever read it as "piece of shit" system lol

[–] [email protected] 12 points 2 days ago

They really always are.

[–] [email protected] 7 points 2 days ago (1 children)

wait POS doesn't mean piece of shit??

[–] [email protected] 9 points 1 day ago (1 children)

Tge issues with TLS is that they overlap.

POS

  • point of sale
  • piece of shit
  • priate on starboard
[–] [email protected] 3 points 1 day ago

Political science

Proof of stake

Position

It's just a really common one

[–] [email protected] 11 points 1 day ago

My bank finally approved us for a hotdog jumboloan! We sign tomorrow!

[–] [email protected] 16 points 2 days ago

good job! a+ financial discipline!

[–] [email protected] 21 points 2 days ago

Proud of you!

[–] [email protected] 14 points 2 days ago (2 children)
[–] [email protected] 18 points 2 days ago

Hey! Whoa! Easy there big spender! Some of us are caked in debt here! We can't just be buying hot dogs now all willy-nilly!

[–] gravitas_deficiency 1 points 1 day ago

In this economy?

You’d have to leverage your hotdog assets and get a secondary hotdog line of credit based on the initial hotdog equity.

[–] [email protected] 11 points 2 days ago

You are truly a legend to dedicate to the bit.

[–] [email protected] 4 points 2 days ago

This is the beginning of the rest pf your life!