If you have the money to afford it, BNPL systems are actually the smartest way of buying something. The danger is that it allows people who think they can afford it to go beyond their means, but BNPL in itself is not a bad thing.

Will probably not make it to the UK will it 😒

My critique would be, in all your examples, you’re already overextended. If you are an adult and can’t afford to just pay any of those things off in full at the time, then you are already in a very bad position financially. The people that are going to use this, are those in financial hardships and as such are disproportionately more likely to make poor money decisions and not see the risks, making their situation much worse.

AAPL has over $500 in the cash mountain for every US resident… at average 30% APR, they can double that cash in 2.6 years

And some people think that BTC is easy money

That’s a phishing scam. Don’t click it. Report and delete it.

Very few. I try to take good care of it.

This is true. Without credit now days, you won’t get far anywhere

I’m a web developer and I can confirm this is 100% accurate, just don’t visit suspicious links anyways just so you’re extra safe in case they’re utilizing an unknown vulnerability

I hope this is an error. The author misspelled "installments" (as instalments) so you never know.

Apple getting into the loan shark game. Those profit margins going UPPPPP

Who needs this? Is it running the Mars rover command center? Is it managing America's entire nuclear arsenal? Is it replicating Ronald Reagan's brain in realtime? Is it composing Hamlet III?

I never said I was a “security engineer”. I said I work in Cyber Security, which Pen-Testing falls under.

Better yet, I’m not wasting nearly two hours creating a phishing script to prove a point. Again, a stranger on the Internet doesn’t mean anything to me.

With that being said, I conclude my conversation with you.

I don’t know you tell me darknet pentester security engineer. Try me with your script, tell me my password

I am not making anything up? Why would I have a reason to lie to a stranger on Reddit. If you haven’t come across those types of phishing links, that’s good for you, but to blatantly deny they exist is pure ignorance.

I always use screen protectors. Today I just happened to see some of the glass scratch. Then check the upper right of my screen to see a crack across the screen. I ordered a 3 pack sp. (arrives tomorrow) so I’m ready. I take good care of my phones but things happen.

Yea, phones look pretty right out the box. Even the coolest case adds bulk. So best to be safe then sorry

No it won’t, stop making up these stories. You won’t get logged in anywhere unless you specifically confirm it by providing your password.

Now I see why people still fall for this shit

Nope, fake. The crappy grammar and the use of times new roman font at the bottom is a dead giveaway for me.

Clicking a link absolutely will jeopardize your password. Albeit many phishing links aren’t that complex or intricate, but they are more common than you think.

I do pen-testing in my free time on the side, you would be amazed how often I come across those types of links. Apple accounts are more difficult to bypass, sure, but encryption isn’t an automatic guarantee of security, it just requires a little more complexity in the scripting.

That’s a down payment on a really nice house.

Catalogue Smart houses might make an impact.

Tired of dealing with grimy, stealing contractors? Buy Apple House Pro+, only $999,999.

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Surprisingly the protector is pretty resistant to scratches. The in the past I would replace screen protector a few times a year due scratches and wearing, but I have a had a few that looked good for multiple years for me and my family. My current protector has been on my phone for more than a year and I have put it in the same pocket as my keys and other metal. Now I only replace after it breaks.

It varies by how the programmer sets up the phishing link (there are also tons of templates scammers can grab online to make basic phishing links as well). But the way it works in most cases, is once you click on the phishing link, it then directs the code to open the application they are attempting to grab the credentials for. Once it opens the target application, it uses the credentials saved in the application (like when you open the application and it is automatically signed in), it then shoots those credentials (email and password) back to the scammer in a .txt file.

These guys literally get incredibly long lists of emails and passwords for the application they are targeting, go through and access those accounts so they can have access to your saved financial information, steal it, or use it to send themselves money.

Apple be like: Introducing the Apple Glass, clearest glass we ever made, yet.