Exactly this….
The credit company involved are just a bunch of cowboys, that get aload of cowboys that want to use their credit on their cowboy furniture
I offer LAYBUY credit
To survive in business you have to use some form of credit
The moral aspect of offering credit does weigh on you
But in my defence I did for abit use SNAP credit
Like the above, they push and push for you to promote and it made me feel sick when people did get accepted
And no matter what their circumstances were
They got accepted
If they didnt pay they just got whacked with fees and they used to grab money from their accounts
People that applied, did not have two brain cells to rub together and were just buying stuff as they liked the look and seen it on SM
I think I lasted about a month with SNAP
And ceased it
Laybuy at least you do have to have some form of good credit and you pay over 6 weeks so very high order values require a deposit