[asow92]

As a financially secure person, why would I want to spend $800 today when I can spend $800 over four months with no penalty? It doesn't make any sense in the slightest, that is unless you're not savvy enough to keep track of your money?

[ceejayoz]

Klarna is four payments over eight weeks. That's about the same float as a credit card, which can be up to 60.

[asow92]

I was mistaken in thinking it was longer than that. If it is only about two months then it's of little value over a conventional CC (depending on when you buy it in your statement cycle).

My example with the wings is an extreme/incidental use-case, and I realize that it'd be atypical to unheard of in practice.

[ohnoitsahuman]

Because for me, overspending is a bad habit, even if there's no interest.