FICO to incorporate buy-now-pay-later loans into credit scores

It probably makes sense to do so. Not that I condone the FICO hustle. But small loans can add up quickly and delinquencies need to be measured for financial market stability.

If you're paying for your food delivery on an installment plan, you're probably going to have a blow up.

https://www.nytimes.com/2025/03/23/business/doordash-klarna-...

I don't understand people. If you need to use an installment plan why the hell are you using DoorDash which is a luxury ripoff?

I can afford it but I don't use it because it's obscene.

I'm tempted to say that some people are poor because they're imbeciles with poor financial sense.

>using DoorDash ... is a luxury ripoff

I live in a working-class neighborhood and it blows my mind how often DoorDash visits my neighbors (particularly considering there are dozens of restaurants within one mile).

The only time I encourage delivery service is when we're too intoxicated to drive.

I stayed with distant family for a bit around COVID when everyone was WFH. Him and his wife must have gotten 3-5 DoorDash deliveries a day pretty reliably, I was blown away. Each ordering their own thing from different restaurants. Random “I want a donut from 711 at 1am” where I’m sure fees/tip were multiples of the actual food cost. Sometimes the different drivers would arrive at the same time and we’d have a little jam up on the porch.

When COVID started my wealthiest elders decided to start eating out for every meal in order "to support local businesses." Ironically, they did not leave any tips because "you don't tip unless you sit down in the restaurant." You're not helping in the way you think you are, Gramps.