I hate loans and things like this. If I dont hve the money then I dont buy things.

I think this is definitely dangerous and you could get stuck in a situation that would be quite hard to get out of.

I would not use this \\\”hack\\\”
If you want to shop at coles or anywhere really with BNPL, you either use Bundll or you add the zip card to you google/apple pay.
Proceed to checkout, select payment option card.
Access your Bundll card or Zip card through google/apple pay and theres your shopping.

I would not use this “hack”
If you want to shop at coles or anywhere really with BNPL, you either use Bundll or you add the zip card to you google/apple pay.
Proceed to checkout, select payment option card.
Access your Bundll card or Zip card through google/apple pay and theres your shopping.

I wouldn’t consider this a hack. I don’t have a credit card and these are essentially the same thing

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  • • mom489003 replied
    • 11 Jul 2022 , 11:49 am

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  I agree. That’s what Zip is really. Just like a credit card which you only pay,i get charged an 8$ fee at the end of the month. Plus I organised to pay fortnightly,as it’s easier to budget ..

It’s a wonderful innovation. When times are hard, like during Covid and work is limited, this facility allows parents to still feed their children, and pay off the grocery bill in manageable installments. It also helps parents make sure their teenagers are eating at University, by being able to send them gift cards for groceries. Why the outrage over grocery spending? Everyone needs food and cleaning products. Why no outrage about the ability to buy luxury items?

It’s asking for trouble and incurring more debts. I feel if you cannot pay for your goods, then don’t buy it.

Handy to know. Just wouldn’t want to miss those repayments to zip, otherwise your groceries will end up costing a lot more!

Wow, no thanks, that’s how you can really let your debt get out of control.

Sounds too good to be true

Zip pay is not any worse than having a credit card.. as long as you pay it back what’s the issue

Has to be paid for eventually. I think people will get themselves in a bad situation when payment is needed.

Zip pay & After pay are just one Big scam look at how much the cost of stocks have gone up on the stock market for after pay & it’s only been around for 1 to 2 year’s l say if you can’t afford to pay for it then & there Don’t use zip pay or After pay you will regret it

Blah, blah, blah, whinge, whinge, whinge. You can always walk in and use a credit for shopping too. So why not bag out credit cards and complain they get stupid people into debt.
And for those with the high and mighty stock up their rear “I save for everything, and if I can’t pay it for it outright, I go without” I say this, if you have a home loan, and/or a car loan you’re a hippocrite.

Definitely not something I’d want to try, everything has fees, nothing is free

Also zip does have fees.
If you don’t pay the full amount you owe by the end of the four week period if charges you $8 every month after until you’ve finished paying off your debt.

Yes, it can definitely become an addiction saying to yourself you will pay something back later. It all builds up!
I have a friend who continuously gets a new credit card to pay off another because she gets carried away with shipping. It’s out of control. If you have good self control then if you need to use something like this then by all means go ahead but if you’re an impulse buyer things like this definitely aren’t the best.

Might work as a stop gap arrangement when having to feed the family & waiting for the next payslip, but doesn’t sound wise to do all the time same as with any other credit card.

Zip is a great app to use .. IT’S NOT A CREDIT CARD NO FEES…All you have to do is pay what you can weekly or fortnightly..I can tell you this it’s a life changer for me anyway..love zip..I have a card on my Google pay account turn on my NFC and pay anywhere that doesn’t have zip..I love this app …

I wouldn’t ever want to do something like this, it is a dangerous money game.