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Kauf jetzt, zahlen später: Die gefährliche Versuchung

In den letzten Jahren ist der Begriff "Buy Now Pay Later" (BNPL) immer wieder in den Nachrichten aufgetaucht. Es handelt sich um eine Art von Finanzierungsservice, bei dem Kunden ihre Einkäufe sofort bezahlen können, ohne dass sie im Voraus das Geld ausgeben müssen. Doch hinter dieser scheinbar lockeren Versprechung verbirgt sich oft ein gefährlicher Trick.

Wie funktioniert BNPL?

Der Prozess https://legzo-online.de/de-de/ ist einfacher als man denkt: der Kunde gibt die gewünschte Ware oder Dienstleistung in einen Online-Shop, füllt die Bestellinformationen aus und wählt beim Checkout das Option "Kauf jetzt, zahlen später". Der Shop liefert ihm dann die Ware, während der Kunde einige Zeit hat, um zu bezahlen. Meistens dauert dieser Zahlungszeitraum zwischen 2-6 Wochen.

Die Versuchung ist groß

Das Konzept von BNPL scheint zunächst wie ein Segen für alle zu sein: keine Ausgaben im Voraus, keine Kreditkarten, keine Anreise zum Bankomat. Aber genau hier liegt das Problem: der Kunden wird suggeriert, dass er unabhängig von seiner Finanzsituation kaufen kann. Manche Shops bieten sogar Rabatte an, wenn man mit BNPL zahlt.

Doch hinter dieser Türen steckt oft eine gefährliche Versuchung. Der Kunde denkt nicht daran, wie er die Rechnungen begleichen wird oder ob er überhaupt das Geld hat, um sie zu zahlen. Viele Menschen fallen darauf herein und kaufen ohne Rücksicht auf ihre finanzielle Situation.

Die Gefahren von BNPL

Wenn man die Zahlen ansieht, ist es erschreckend: in den USA haben sich allein im Jahr 2020 über 100 Millionen Amerikaner mit BNPL-Optionen beschäftigt. Aber nicht nur in den USA: auch in Europa und Asien wächst der Markt stetig.

Die Gefahren von BNPL sind mehrfältig:

• Überfinanzierung : Der Kunde wird ermutigt, über seine finanzielle Fähigkeit hinauszugehen. Der Shop weiß oft gar nicht, ob der Kunde die Rechnungen begleichen kann.
• Zinsen und Gebühren : Viele BNPL-Anbieter laden Zinsen und Gebühren auf, wenn die Zahlungen zu spät erfolgen oder die Rechnung nicht beglichen wird. Dies kann schnell ins Unermessliche steigen.
• Schuldenerfassung : Wenn der Kunde die Rechnungen nicht begleichen kann, landet er oft in einer tiefen Schuldenspirale, von der es schwer wieder herauszukommen ist.

BNPL-Anbieter: Wer sind sie?

Es gibt einige bekannte BNPL-Anbieter auf dem Markt. Einige der bekanntesten sind:

• Klarna : Der größte Anbieter von BNPL-Diensten in Europa.
• Afterpay : Ein australischer Anbieter, der weltweit agiert.
• Affirm : Ein US-amerikanischer Anbieter, der auch in Europa aktiv ist.

Wie kann man sich schützen?

Es gibt einige Schritte, die man unternehmen kann, um sich vor den Gefahren von BNPL zu schützen:

• Informieren Sie sich : Bevor Sie mit BNPL beginnen, sollten Sie sich über die Bedingungen und Zinsen informieren.
• Verwenden Sie nur vertrauenswürdige Anbieter : Stellen Sie sicher, dass der Shop ein vertrauenswürdiger Partner ist.
• Begleichen Sie Ihre Rechnungen pünktlich : Achten Sie darauf, dass Sie Ihre Rechnungen rechtzeitig begleichen. Wenn Sie Schwierigkeiten haben, sprechen Sie mit dem Anbieter darüber.

Zusammenfassung

Der Begriff "Buy Now Pay Later" mag verlockend klingen, aber hinter dieser scheinbar lockeren Versprechung steckt oft ein gefährlicher Trick. Der Kunde wird ermutigt, über seine finanzielle Fähigkeit hinauszugehen und landet oft in einer tiefen Schuldenspirale. Es ist wichtig, sich vor den Gefahren von BNPL zu schützen und vertrauenswürdige Anbieter auszuwählen.

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