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

Re:FICO to incorporate buy-now-pay-later loans into credit s... by barchar on Tuesday June 24, 2025 @10:37AM (#44366754)

There is a ceiling on how much you can spend on these things. Generally it is not fun to get drunk or high that frequently, and in the limit you die.

[ Parent | on HN ]

Re:FICO to incorporate buy-now-pay-later loans into credit s... by lan321 on Tuesday June 24, 2025 @11:15AM (#44367136)

I'm not and never have been into drugs, alcohol and clubbing, so I don't know the limit.

The most I've seen was a ~1k EUR monthly budget for drugs by a person I knew whose main hobby was drugs. It's not astronomical, but we were both students in ~300 EUR/month dorms. It also affected his career progress. Lectures at 8 AM don't mix well with coke the night before.

With cars, the sky's the limit. I'm making 6 digits, and I can still ruin myself financially in a weekend.

And it's not just financially. I love motorcycles because they're cheap, but if I have a proper accident, it'd set me back months if not forever.

[ Parent | on HN ]