{"id":35878,"date":"2026-05-01T02:40:00","date_gmt":"2026-05-01T01:40:00","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=35878"},"modified":"2026-03-26T16:14:52","modified_gmt":"2026-03-26T16:14:52","slug":"muie-klarna-ca-un-cost-impus","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=35878","title":{"rendered":"Muie – Klarna ca un cost impus"},"content":{"rendered":"
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Muiedejii \u0103\u0219tia au devenit enervant de populari \u0219i nu mai sc\u0103p\u0103m de ei, aia e.<\/p>\n\n\n\n

Ar trebui s\u0103 m\u0103 bucure, c\u0103 sunt o companie european\u0103, uite s\u0103 avem \u0219i noi sc\u00e2rbiciile noastre online \u021beav\u0103, s\u0103 nu ne mai ploconim la americani. At\u00e2ta doar, c\u0103 \u00een cazul de fa\u021b\u0103 e vorba de s\u0103 avem \u0219i noi parazi\u021bii \u0219i c\u0103m\u0103tarii no\u0219tri.

Dac\u0103 folosi\u021bi sau nu Klarna din Rom\u00e2nia, probabil nu \u00een\u021belege\u021bi ce spun – muie datoriilor \u0219i datornicilor, huo \u0219i oarba dup\u0103 ei, etc. – pentru c\u0103 \u00een Rom\u00e2nia Klarna nu opereaz\u0103 ca banc\u0103 \u0219i nu ofer\u0103 de servicii \u00een rate contra dob\u00e2nd\u0103 – cump\u0103r\u0103turi \u00een maxim trei rate f\u0103r\u0103 dob\u00e2nd\u0103 sun\u0103 BLAN\u0102 BLANAO, vrei \u0219i tu ACUM. <\/p>\n\n\n\n

Dac\u0103 nu pl\u0103te\u0219ti au ei ceva penaliz\u0103ri, te bag\u0103 la r\u0103u platnici – dar nu vreau s\u0103 intr\u0103m \u00een dilema asta.
Mergem pe scenariul lor preferat \u0103la \u00een care pl\u0103te\u0219ti tot la zi.
De unde fac ei banii:<\/a><\/p>\n\n\n\n

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Iar la asta eu am o replic\u0103 celebr\u0103: Sounds nice, does not work!
Dac\u0103 a\u021bi lucrat vreodat\u0103 pentru un retailer a\u021bi \u0219ti c\u0103 \u00een retail pre\u021burile se calculeaz\u0103 din mai multe direc\u021bii.
Direc\u021bia de costuri e s\u0103 adaugi de la costul de wholesale, costurile de operare, marketing, v\u00e2nzare, incluz\u00e2nd comisioanele c\u0103tre orice Klarne \u0219i ajungi la pre\u021bul final.

\u00cens\u0103 pe partea cealalt\u0103, vinzi produse \u00een concuren\u021b\u0103 cu al\u021bii \u0219i dac\u0103 nu reu\u0219e\u0219ti diferen\u021biere cu branduri proprii, exclusivit\u0103\u021bi de pia\u021b\u0103 negociate regional cu diver\u0219i produc\u0103tori\/ wholeselleri ( uneori ilegal) \u0219i alte trucuri de marketing, trebuie s\u0103 te \u00eentorci de la pre\u021bul pie\u021bei, stabilit de concuren\u021b\u0103, dac\u0103 vrei s\u0103 fii competitiv , c\u0103tre costuri \u0219i, \u00een func\u021bie de cum \u00ee\u021bi po\u021bi controla costurile , o s\u0103 ai o marj\u0103 mai mic\u0103 sau mai mare de profit, sau ie\u0219i din business. <\/p>\n\n\n\n

Din punctul \u0103sta de vedere, Klarna ar putea p\u0103rea un fair game economic. Intr\u0103 \u00een joc pe o pia\u021b\u0103, unii v\u00e2nz\u0103tori \u00eei folosesc, dac\u0103 au valoare real\u0103, acei v\u00e2nz\u0103tori vor vinde \u00een volume mai mari \u0219i chiar \u0219i cu o marj\u0103 de profitabilitate mai mic\u0103 dec\u00e2t cei care nu, vor c\u00e2\u0219tiga la volume, vor ocupa pia\u021b\u0103, pentru c\u0103 ofer\u0103 un avantaj clientului – plata \u00eent\u00e2rziat\u0103, f\u0103r\u0103 costuri.

\u201dNu exist\u0103 mas\u0103 gratis \u00een economie\u201d.

Doar c\u0103 la nivel mare pia\u021ba nu func\u021bioneaz\u0103 a\u0219a . Afacerile se monitorizeaz\u0103 unele pe altele \u0219i tu \u0219tii c\u00e2nd eu v\u00e2nd mai mult \u0219i tu mai pu\u021bin \u0219i po\u021bi observa ce avantaje ofer. A\u0219a c\u0103 bagi \u0219i tu o Klarn\u0103. <\/p>\n\n\n\n

C\u00e2nd toat\u0103 lumea folose\u0219te klarne <\/strong>ca op\u021biuni, costul credit\u0103rii, ini\u021bial aplicat selectiv unor comercian\u021bi devine un cost impus \u00een lan\u021bul de retail.

Suplimentar, costul nu este aplicat selectiv doar celor care folosesc serviciul – \u0103sta e aspectul cel mai toxic, pentru care muie Klarna ( ca principiu, nu companiei) – ci se socializeaz\u0103. C\u0103 pre\u021burile nu-s selective niciodat\u0103.
\u0218i io, du\u0219manul c\u0103m\u0103tarilor, ajung s\u0103 pl\u0103tesc cot la cot cu to\u021bi rup\u021bii \u00een cur care cump\u0103r\u0103 pe c\u00e2r costul unui serviciu de care n-am nevoie \u0219i atunci, \u00eencol\u021be\u0219te \u00een mintea oric\u0103rui prost ( deci nu a mea, nu) c\u0103 de ce nu a\u0219 folosi serviciul \u0103sta \u201d#\u0219\u00eeeu<\/strong>\u201d dac\u0103 tot pl\u0103tesc pentru el.
\u0218i de aici se ajunge praful \u0219i pulberea \u0219i a\u0219a ajungem to\u021bi sclavii b\u0103ngilor.
Pentru c\u0103 atunci c\u00e2nd o mas\u0103 critic\u0103 de rup\u021bi \u00een cur \u0219i fali\u021bi folosesc serviciile \u0103stea, sub titlul c\u0103 ei sunt savvy buyers \u0219i fac lucrurile inteligent, op\u021biunea devine mainstream, operat\u0103 peste tot , iar atunci pre\u021burile se ajusteaz\u0103 simplu s\u0103 includ\u0103 costul finan\u021b\u0103rii \u0219i nu mai apare solu\u021bia asta ca element de diferen\u021biere, ci ca parazit ( simbiont , na, pentru \u0103ia care v\u0103 masturba\u021bi la ideea de \u201dspread the cost\u201d \u0219i \u201drate\u201d) \u0219i e R\u0102U pentru c\u0103 ne impinge pe to\u021bi s\u0103 intr\u0103m \u00een datorii, aia fiind op\u021biunea \u201dlogic\u0103\u201d. \u0218i a\u0219a ajungi ca SUA la peste trilionul de dolari datorii la consumatori. <\/p>\n\n\n\n

Ce e de f\u0103cut \u00een afar\u0103 de \u201dmuie Klarna\u201d? <\/p>\n\n\n\n

Cu excep\u021bia cazului \u00een care tu e\u0219ti parte din plaga care se \u00eenchin\u0103 la \u0103\u0219tia, caz \u00een care nu e nimic de f\u0103cut, bucur\u0103-te de starea de servitute \u0219i de faptul c\u0103 ne fu\u021bi \u0219i pe noi \u0103\u0219tia care mai suntem altfel. <\/p>\n\n\n\n

P\u0103i, evit\u0103 s\u0103 cumperi de vreun fel de la magazinele care ofer\u0103 solu\u021biile \u0103stea. Imagineaz\u0103-\u021bi c\u0103 fie c\u0103 folose\u0219ti sau nu Klarna, pl\u0103te\u0219ti costurile celor care se \u00eemprumut\u0103.
Cu excep\u021bia cazului c\u00e2nd op\u021biunea cu Klarna rezult\u0103 c\u0103 e cea mai ieftin\u0103. Atunci r\u0103m\u00e2ne s\u0103 decizi dac\u0103 vrei s\u0103 urmezi, normal, ra\u021biunea economic\u0103 \u0219i s\u0103 cumperi cel mai ieftin produs – cu riscul ca ceea ce sponsorizezi s\u0103 fie dumping ( nu e mereu cazul!), iar dumpingul s\u0103 afecteze cump\u0103r\u0103torii care \u00ee\u021bi ofer\u0103 op\u021biuni rezonabile.
Pentru c\u0103 exist\u0103 \u0219i cazul \u00een care solu\u021biile f\u0103r\u0103 Klarna s\u0103 fie tot mai scumpe din diferite alte motive, toxice , sau lipsite de optimizare – tr\u0103im \u00eentr-o lume \u00een care nimic nu e a\u0219a de simplu \u00eenc\u00e2t s\u0103 po\u021bi avea o regul\u0103 de tipul – unde vezi asta, nu cump\u0103ra – c\u0103 mereu exist\u0103 loc s\u0103 dai de tac-so c\u00e2nd vrei s\u0103 scapi de dracu.

Cel mai important lucru – dac\u0103 vrei un ecosistem financiar \u0219i o lume s\u0103n\u0103toas\u0103 , vezi dac\u0103 po\u021bi face TU ceva \u00een sensul \u0103sta, cu privire la tine.
Dac\u0103 crezi c\u0103 ratele sunt bune, din orice motiv, construie\u0219ti o lume de a\u0219a natur\u0103 \u0219i o sponsorizezi, iar ca urmare, \u00een lumea aia vei tr\u0103i.

======Rantul obi\u0219nuit despre datorii, pute\u021bi \u00eenchide =========================

Dar, vai, te ajut\u0103 s\u0103 ai un Credit Score MARE! CREDIT SCORUL!
Cel mai bun credit score e \u0103sta!<\/p>\n\n\n\n

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Dar VAI, C\u0102T\u0102LIN, NU-\u021aI D\u0102 NIMENI \u00ceMPRUMUT F\u0102R\u0102 CREDIT SCORE!!!!!11111 CUM NE MAI CUMP\u0102R\u0102M CASE, MA\u0218INI!!!!!?????<\/p>\n\n\n\n

E perfect, dar \u0219i FALS \u00een acela\u0219i timp.
Am luat primul \u00eemprumut \u00een Rom\u00e2nia f\u0103r\u0103 s\u0103 fi avut vreun card de credit , vreun score FICO, vreun pula mea. Primul \u00eemprumut a fost pentru cas\u0103. <\/p>\n\n\n\n

C\u00e2nd am ajuns \u00een UK, aceea\u0219i plac\u0103 de la to\u021bi cunoscu\u021bii vasta majoritate fali\u021bi, restul doar un pic idio\u021bi. C\u0102 TREBUIE S\u0102 \u00ce\u021aI CRE\u0218TI CREDIT SCORE-UL daca vrei s\u0103 iei un credit de locuin\u021b\u0103. C\u0102 N-AI CUM . Am luat cas\u0103 \u00een chirie f\u0103r\u0103 credit score. Am luat credit pentru locuin\u021b\u0103 f\u0103r\u0103 credit score. Dup\u0103 mai pu\u021bin de 2 ani \u00een UK \u0219i dup\u0103 doar 1 an de venituri \u00een registrate \u00een UK.
Nu am \u0219i nu am avut vreodat\u0103 card de credit , nu am cump\u0103rat ma\u0219in\u0103 \u00een rate \u0219i nici alte produse. <\/p>\n\n\n\n

\u0102ia de la banca din UK \u00eemi arat\u0103 s\u0103pt\u0103m\u00e2nal credit score-ul \u00een aplica\u021bie, cumva bun , dar \u00eembun\u0103t\u0103\u021bibil – \u0219i \u00eemi sugereaz\u0103 c\u0103 ce s\u0103 fac ca s\u0103 creasc\u0103 \u0219i mai mult. S\u0103 le dau pula s\u0103 mi-o sug\u0103, aia vreau s\u0103 fac.
Cel mai bun o s\u0103 fie c\u00e2nd o s\u0103 dispar\u0103 \u00eemprumutul achitat din radarul lor. Perfect o s\u0103 fie. <\/p>\n\n\n\n

Din Rom\u00e2nia m\u0103 sun\u0103 toate b\u0103ncile posibile \u0219i imposibile \u0219i pe firm\u0103 \u0219i nu \u0219tiu de unde pula mea au num\u0103rul meu personal pe privat, ca s\u0103 m\u0103 roage s\u0103 iau bani \u00eemprumut. Cu credit score nimic. \u0102la de mai sus.
Pentru c\u0103 to\u021bi vor s\u0103 m\u0103 fac\u0103 sclavul lor, de aia.
To\u021bi m\u0103 sun\u0103 s\u0103-mi spun\u0103 c\u0103 vor s\u0103 \u00eemi ofere \u201dsolu\u021bii\u201d \u0219i pe to\u021bi \u00eei opresc brusc \u0219i \u00eei \u00eentreb :<\/p>\n\n\n\n

-Stai. Solu\u021bie la ce problem\u0103?<\/p>\n\n\n\n

-P\u0103i c\u0103 dac\u0103 ave\u021bi nevoie de finan\u021bare pentru ….<\/p>\n\n\n\n

-AM NEVOIE S-O FUT PE M\u0102-TA DE M\u00c2N\u0102 CU TO\u021aI COPIII EI!
<\/p>\n","protected":false},"excerpt":{"rendered":"

Muiedejii \u0103\u0219tia au devenit enervant de populari \u0219i nu mai sc\u0103p\u0103m de ei, aia e. Ar trebui s\u0103 m\u0103 bucure, c\u0103 sunt o companie european\u0103,…<\/p>\n","protected":false},"author":2,"featured_media":16386,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[3499,1],"tags":[7115,7114],"class_list":["post-35878","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-uncategorized","tag-buy-now-pay-later","tag-klarna"],"views":150,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2019\/11\/credit-card-lies.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-9kG","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/35878","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=35878"}],"version-history":[{"count":3,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/35878\/revisions"}],"predecessor-version":[{"id":35887,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/35878\/revisions\/35887"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/16386"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=35878"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=35878"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=35878"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}