>>1

I thought it was similar to installment payments when I first got the card, so I ended up using it.

>>72

If you’re not offering something like no split payment fees, then it’s not much different from the regular card installment payments.

In other words, whether it’s with a revolving credit or installment payment, if you have some extra money, you can usually pay more later to reduce it.

>>28

That’s how business is.

>>35

The idea that if you deceive without lying, it is not fraud…

It’s a great deal if it’s a country with high inflation!

Ribo is neither compound interest nor something like compound interest.

I need 1 million, but the payment for the job is confirmed for 1.5 million in three months.

It can be used in situations like that.

In a situation where the bonus is guaranteed to come out, it feels like buying on installment before the bonus and then switching to regular payment later.

>>11

The mystery of existing without meaning yet not disappearing.

>>86

From the perspective of the card companies, they have a meaningful existence because they can earn money through fees…

If it appears that someone is being deceived or coerced, later on, the court may intervene and demand the money be returned.

It’s a method of guiding and utilizing so that it doesn’t take shape like that.

I wonder what kind of situations are effective for a ribbon…

>>13

It’s already been mentioned above, but…

In the future, money will be available, but right now there is no money; however, it is convenient when immediate cash is needed.

>>13

When inflation is occurring or when salaries are expected to rise in the future.

>>16

Advertising aims to target the less discerning segments of the audience, whether on a large or small scale, so it can’t be helped.

Rieko Nishihara wrote in some manga that the current loan sharks are also adopting a method of making people pay interest endlessly without ever allowing them to pay off their debts.

>>23

It’s not bad if I’m choosing to use it myself.

Since it’s a loan without any screening, there’s no way the interest rate would be low.

>>30

Which card is set to revolving by default?

>>24

On the other hand, skillfully diverting attention from the final payment amount is also one of the seller’s techniques.

Therefore, the evil lies not in the revolving payment itself, but in the failure to present the risks of revolving payments.

What I’m doing is basically the same as borrowing money through a cash loan.

It’s just that it’s debt, so if you don’t think carefully and repay it, you will end up in ruin.

If you go bankrupt, the lender will suffer a total loss, so it’s best to keep you alive but not let you thrive.

The gray zone interest rate was not considered evil at that time either.

Some people say that Zeon is not evil.

I think the position of installment payments is something like that too.

The one at fault is the wild boar.

Capitalism, which prioritizes maximizing profits, is flawed because it tends to exploit the multitude of fools or weak individuals.

It seems like they only heard rumors about Ribo being bad without really knowing much, and now they think it’s some terrible and malicious act.

In short, it’s just a debt.

>>41

Many people don’t understand what repo is and where the dangers lie.

The strategy of just changing the name works, after all.

A trap of the option to set the default payment to revolving credit.

In other words, it’s a system that allows you to easily do both borrowing and shopping at the same time!

>>43

That’s a regular credit card.

I keep getting annoying emails every month saying I can still switch to installment payments!

>>46

When credit cards began to circulate in Japan.

Did you think it was a magical card that you could shop with endlessly? There are so many ultra fools who end up broke from their card debt.

Considering that it has become a social issue, I think there’s nothing that can be done about the more complicated revolving payment plans.

No money, revolving credit…

But I want to fully enhance my ribbon…

How should I deal with this Revolving Credit…?

For those who want to simplify their money management even if it means slightly higher payments, this is suitable, isn’t it?

It’s funny that when the bad reputation of revolving payments starts to spread, they change the name.

>>51

It sounds like the name of a private escort.

There is no situation where salaries increase, so there is no benefit to using a revolving credit.

Proof completed.

Revolving payments do not incur interest on interest.

Since the payment will be made from the interest portion, the next interest will only be calculated on the principal amount.

If you can’t pay the interest, it can be stopped immediately.

Well, since the interest is paid first, the principal doesn’t decrease at all…

The analogy of the “baby crying old man” is nice.

There are more industries deceiving the uninformed to make money than one might imagine.

Places that engage in that kind of business are all operating on the edge of the law.

I can’t help it because I’ve already made my judgment.

We have no choice but to be careful individually so as not to be taken advantage of.

The human brain also feels pleasure in reducing debt.

Once you enter this mode, you will become a slave who happily continues to repay.

There are shitty member cards specifically for revolving credit with a limit of 3000 yen.

It would be better to regulate those kinds of things, it’s you, Idemitsu.

>>60

The monthly payment amount can be specified in advance by the customer through our fixed-rate plans.

In months where you have extra room, it is possible to change the payment amount to full payment or an increase in payment.

That’s an outrageous thing to say about the system.

Thanks to users who can use things like this without feeling awkward, we can benefit from the perks of the card.

I was using a revolving credit, but honestly, the principal hasn’t decreased at all.

I hurriedly put it together and returned it.

If there’s a situation where you have a way to make a lump sum payment later but absolutely need money now, then…

If other debts are manageable, there is no need for it to be on a revolving credit plan.

If you can continue until you die, you win!

However, thanks to those who pay exorbitant fees, we are able to receive various services for free.

The situation where the repayment never ends happens because, for example, borrowing 500,000 yen and having a monthly repayment of 15,000 yen raises the question of how long it will actually take to pay it off…

The rest is a pattern where those who are poor or losing at gambling are putting all their living expenses into revolving credit to get by.

From the perspective of a moneylender, I understand the desire to recommend revolving credit, as it ensures stable repayments that can continue indefinitely.

People can really become despicable so easily, which gives me a gloomy feeling.

Thanks to the idiots using revolving credit, we get to use our cards with no annual fee, so I’m grateful.

A tragic existence that is a combination of unforgivable things like wild boars…

A system created to gain a little benefit because the card company acts as a payment processor.

Let’s just make sure to shop within our means.

Recently, I’ve come across something strange called the balance slide method.

>>74

This system increases the monthly payments in proportion to how much is used, and depending on the situation, the repayment period may be shortened, making it favorable for the borrower.

Conversely, in some cases, when the total amount of debt decreases, the monthly payments may also become smaller, leading to an extension of the payment period.

This is a gentle one I didn’t notice.

>>139

The image of this is strong, but I wonder how it actually is.

Wouldn’t it be a good deal if this were done in a country where inflation is progressing tremendously?

>>75

In a country experiencing extreme inflation, interest rates will rise accordingly.

>>75

The maximum interest rate on debt varies with the inflation rate of that country.

In the 1970s, when prices and wages were skyrocketing, there was also a maximum interest rate of 109.5%.

If you set it up to be repaid in 10 installments, it is just a higher fee for installment payments.

Conversely, it is a technique of the seller to make the buyer forget their own means.

Because ordinary people don’t know cases where they are happy to have a ribbon.

It can only be seen as a system to trap the weak-willed.

There may be people who are troubled by its absence, but there are likely more people who are troubled by its existence.

>>84

There are people who need money right now but cannot prepare a substantial amount.

It’s a system that has been confusingly replaced with “the interest rate is really high, but you can borrow easily!”

The installment payments on those cards are the same as revolving credit in terms of interest rates, so unless you significantly lower the payment amount, the total amount you pay won’t change much.

If it’s a good card, it might be slightly lower.

With a revolving payment plan, a card with no fees.

A life hack to use without paying fees by setting the maximum monthly payment limit to 1 million yen.

>>88

There are quite a few cards that charge fees even in the first month, so it’s better to stop being a point beggar.

It’s a system that clearly misleads customers to make a profit, so it’s fine to regulate it.

There’s no one who thinks that ordinary debt is no good, right?

It seems like there are mixed opinions about it…

>>91

Well, of course, those who are earning from revolving payments will naturally be in favor.

>>109

Isn’t it okay for those who are trying not to use revolving payments to generally agree? It’s not them who are losing out.

I also recommend Libo to complete strangers on anonymous websites like this.

It makes it sound like I’m the one at fault for using revolving payments.

>>94

Thanks to you, I am able to do my reward point activities.

Thank you

>>94

I think I’m not very smart, but I don’t have any morally bad qualities at all.

Stay as you are.

I think it’s evil to keep recommending Reborn for everything.

In terms of unscrupulousness, gacha in social games is much more unscrupulous.

>>97

No?

>>97

I don’t care about things that are so obvious.

>>97

Even if you say something like “Is pachinko or stimulants worse?”

For regular shopping, a one-time payment is fine.

There is a system that automatically raises the minimum payment amount to this level, because even with just the minimum payment, the interest is so high that it feels like you’ll never finish paying it off. You can also increase it further, so you should check.

>>100

You are aware that you are doing something bad!

>>120

What are you saying…?

Banks with card loans come to target multiple debtors, offering to cover all their debts.

>>104

It’s true that they are trying to make a profit, but it’s not as ruthless as that…

I can’t seem to break free from a balance of around 3 million.

What kind of person still uses revolving credit despite everyone saying not to?

>>111

If anything, I would teach it at school…

>>123

So, it means that they are starting to change names as mentioned above.

>>107

I’ll pay you back eventually when I win at gambling or get a bonus…

Ah, I have to borrow it because I lost, or it’s bad.

>>112

Well, people like this would be ruined even without a ribbon, so I can forgive them…

>>108

The terms are too confusing! There might be cases where you get scolded, so it depends on the situation.

Anon is a simple creature that judges things in a binary way of good and bad, so it’s considered that “wholesale” is good and “Ribo” is bad.

It’s foolish that only idiots who use up the credit limit are being taken advantage of, when they could just postpone payments only during particularly tough times while paying the full amount every month.

It’s just the foolish reasoning that it’s the other person’s fault for not being understood.

Not reading the terms is certainly bad, but it’s also obvious that the explanation leading to misunderstanding is also to blame.

Isn’t it wrong to take advantage of fools in the first place?

There was a card that gives triple points if you choose the default revolving payment option.

I was doing that because changing to a lump sum payment each time I shop is not particularly problematic as the default becomes revolving.

Just when I thought that, the system was gone in about a year.

Cash can be sold, huh…

I wonder if the employees of the credit card company use revolving credit.

The loan sharking business for dealers, like in “Minami no Teiou,” is still going strong.

If there is a prospect of repaying it quickly, there is also a demand for high-interest debt.

I can’t imagine a case like that with a credit card shopping limit.

It’s fine if you have a source of income after managing with installment payments, but…

If my monthly payment exceeds 1 million yen, it will become a fixed installment payment of 1 million yen.

I don’t really understand because I’m silly, but isn’t it foolish to take out a loan for anything other than a house or a car?

>>132

Buying unnecessarily expensive things like houses and cars is foolish, right?

>>132

Cars are usually expensive, though.

The moneylending industry has died due to regulations.

However, if the financial industry is going to lend…

>>133

Unlike moneylenders, I don’t lend money, so I can let you use it regardless of one-third of your annual income.

I think the dangerous aspect of credit card shopping’s revolving payment lies in this combination technique as well.

>>149

I understood that the alchemist is trying to create new gold using various methods…

It’s bad to want things even when you don’t have money.

If you live a normal life, income is something that occurs regularly.

It’s not something that suddenly increases or decreases based on one’s talent.

I wonder what kind of professions like that exist.

>>135

There are plenty of jobs with variable income…

From the seller’s perspective, whether it’s commensurate with income or not doesn’t matter, and as long as they can make people buy even if it means putting them in debt, they’ve won.

I know you earn points, but what’s the point of delaying payment when it’s not even necessary?

I’ve been using my debit card with that feeling all along.

I’m just making a lump payment for the part that says to make the credit payment through online shopping.

A car can only be purchased in a lump sum.

Loans are only allowed for housing and scholarships.

Don’t let them use it on a daily basis!

How is someone who usually borrows for everyday use supposed to return it?

Scholarships are also not allowed.

Too much expectation for my future self.

A car that can’t be bought without taking out a loan is beyond one’s means.

Let’s quietly go for a used one.

>>145

Right now, there is a plan that allows you to drive a new car worth 7 million yen for less than half the actual price!

>>145

I remembered that I got a strange reaction at work when I bought a new car outright for less than 200, saying it was weird not to take out a loan.

>>176

The majority of people in the world don’t know about interest rates.

>>176

Car loans can sometimes come with discounts, so it’s hard to say.

There are areas where you can’t go to the Hello Work without a car…

Ribo is just a loan shark scam that hasn’t been caught.

Ribo is also wicked, but can’t match Zankure.

When I first heard about the service where paying in a lump sum at the store becomes a revolving payment, I was flabbergasted.

>>150

This is quite a scam!

>>158

It’s just a card for revolving payments; no matter what you choose, you can only pay with revolving payments.

>>158

Isn’t it evil to scheme to make someone do something like this…?

I think it’s okay to borrow money to buy something that you need right now and that has benefits.

That’s exactly things like houses, cars, or machine tools.

It’s foolish to go into debt for daily living expenses, luxury items, and indulgences.

Speaking of which, I wonder what happens if I can’t get a job and can’t repay my scholarship.

It’s true that these days, there probably isn’t a situation where someone would get on a tuna fishing boat or be submerged in a bath.

>>153

It seems like there is an announcement saying, “Since there’s no other way, please return it properly!!”

>>153

Just wait normally.

Someone who has never gotten a job is out of the question.

That said, new cars can cost around 6 million yen, so there are relatively few people who can buy them all at once.

>>154

It’s a luxury car for people who can afford it.

If you can’t afford it, you should drive a cheaper car.

Spending 150,000 yen and only paying 100,000 yen is bad.

I still regret not borrowing student loans to invest.

>>156

I invested in you!

>>167

What does that mean?

I would never say it’s easy to understand, but…

It’s all properly written in advance.

It’s already uncomfortable to have outstanding debts to the point where it makes my stomach hurt.

Even a scammer has a proper contract.

>>162

Contracts are something that even a devil would draft, so of course.

It’s fine, right? If I don’t use it, it’s not like I’m losing anything.

It’s like a random pack from a card shop.

>>164

It seems that the social burden is likely to increase.

That’s why we’re changing the name of Ribo and doing a campaign to give away 10,000 points for the first time.

I wonder what happens if I crash my car with a residual value loan.

>>166

The purchase assessment amount decreases.

In other words, I have to pay a lot more money than planned, and I’m in a bind.

>>166

Since the assessment will be significantly deducted, it is necessary to compensate for that amount at the end of the contract.

Even without accidents, the usage conditions, invisible scratches and dents, and odors inside the car will all affect the appraisal, so it’s unlikely to get the full amount.

>>182

I don’t have much money, but I feel like I’ve become one of those shady people who sell luxury cars to yankees who want to drive cool cars.

>>166

I’ll pay the difference.

But you know…

Waiting for repayment is only an act of kindness towards the borrower…

If I wanted to, I could pay it back, but it’s wrong to only pay a fixed monthly amount and willingly accrue interest, isn’t it?

It’s only natural to regulate and protect because foolish customers misunderstand profit and loss, even if the explanation is written correctly.

>>178

It seems to be aimed at people who are embarrassed to use revolving payments.

>>178

I really don’t understand.

Isn’t it likely that they would lose if they were sued?

>>187

It’s an option that you apply for yourself.

>>187

What kind of reasoning are you using to make that claim?

>>187

Once you signed the contract, you must have gone through the prominently displayed documents, so saying you didn’t know doesn’t hold.

It seems like there might be some ethical issues.

Let’s regulate it.

The phrase “I’ll buy it for XX yen when purchasing with a remaining credit” comes with the premise that it is as beautiful as a new car.

If there are scratches, the amount will be reduced and it will be a dead end.

Now that their notoriety has spread, there are fewer people who get caught.

About 10 years ago, there were many people who were deceived.

Americans mostly use revolving payments.