Carbon Copy Digital Signature Affirmation with airSlate SignNow

Carbon copy countersignature affirmation

guys my name is jack hoskins and welcome back to another video today we're going to be talking about three reasons why you should never use a firm after pay or any of those other crazy you know point-of-sale financing companies but before we get into that make sure you smash that like button hit subscribe now let's get right into why you should never use them so we've all been there before you know you're browsing online you see something that you really want but you just can't afford it but then right under it says hey six easy payments of x or six easy payments of ninety nine dollars and you think man that's really not that bad like why shouldn't i do that you need to stop right there i'm gonna be telling you guys today why you should never use a firm or after pay or any of those crazy payment systems for products all right so what the heck is a firm so they're a point of sale financing company so say you want to buy one item but you can't afford to pay for it up front that's where they come in and they help you finance it and make monthly payments on that item and a ton of stores are using a firm now from walmart to peloton and over 2000 other ones so will a firm impact my credit if i decide to use them so if you tap apply now or pre-qualify they're going to do a soft credit check which isn't going to show up on your credit score but if you choose to go with them to buy a product it's going to show up as a loan on your experian credit score but you know you don't even want to get that far you don't even want to pre-qualify so let's talk about the first reason why you should never use a firm if you can't afford to pay cash for it you don't need to be buying it in the first place in a firm it's not like you're buying a fixed asset or something that's going to appreciate over time a firm specializes in financing junk and consumer purchases that deteriorate over time and have no real value over time and if you're using them you're really spending money that you don't have and you know what's going to happen is you're going to be waiting until that next paycheck comes in so you can make the monthly payment on it and you're going to be tied in for the next 12 24 36 or even 48 months and ever since covet hit you know 63 percent of americans are living paycheck to paycheck and you know one of the things that a lot of people that follow this youtube channel do is they want to get out of that rat race of paycheck to paycheck and using a firm to finance your next tv or...