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In what ways are people today being convinced to spend money beyond their means? (lemmy.ca)

submitted 8 months ago by Rentlar@lemmy.ca to c/asklemmy@lemmy.world

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[-] Gormadt@lemmy.blahaj.zone 27 points 8 months ago

"here's a new credit offer, just spend X in 90 days and get free money!"

Yeah that one bit me

[-] Crisps@lemmy.world 9 points 7 months ago

I really wish there was a government program where you can simply opt out of categories of junk mail. I don’t need a mailbox full of catalogues trying to get me to buy stuff, credit offers, or “charities”.

[-] bzz@lemmy.world 6 points 7 months ago

There is for some junk mail if you’re in the US: https://consumer.ftc.gov/articles/how-stop-junk-mail

[-] Rentlar@lemmy.ca 6 points 7 months ago

Oh yeah. That's a great example. Just reading that sentence makes my eyes focus on the 'get free money' and less on the 'spend X'.

[-] Gormadt@lemmy.blahaj.zone 9 points 7 months ago

The good news is having those credit cards actually helped in in the long run as I had a means of paying for the 3 dental surgeries I needed in a 6 month span

Of course I'm still paying that all off but my interest rate is crazy low due to moving the money close to the end of every "0% rate" period

[-] Nachorella@lemmy.sdf.org 7 points 7 months ago

I was talking about this with a friend just the other night. A lot of those services can actually be helpful. The problem is they're so often predatory and just target people with the idea that they can buy things they can't afford.

[-] Gormadt@lemmy.blahaj.zone 4 points 7 months ago

They can be super useful that's for sure but damn can they really be predatory that's for sure

I swear when COVID hit my mailbox was getting stuffed with offer letters for cards every week

And one of the cards I got I got in anticipation of having a dental surgery, then it got hit super hard and ended going over 10k really quick due to the 3 surgeries I ended up having

[-] XTL@sopuli.xyz 2 points 7 months ago

I just see a big red flag. But those need some practice and upkeep since advertisers keep coming up with new schemes.

this post was submitted on 05 Feb 2024

183 points (98.4% liked)

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