2 ms·

From the consumer pov, why would I opt for a PNBL option? If I have the money on hand, wouldn't I just make a regular purchase? Not trying to be snarky, genuin

• ldoughty 1y ago
  That's effectively any membership service where you get a discount... e.g. Amazon prime, arguably... or Membership grocery stores. Pay up front for benefits that are realized later, upon further action. I have a membership with my local craft brewery that I love to frequent that similarly could be considered a PNBL like financial thing. Arguably, it's also gift cards, though yeah, without any benefit, no one really buys gift cards for themselves.
  • roland35 1y ago
    Hey sometimes gift cards are on sale! So in effect a pay now buy later. My favorite restaurant often has a Christmas sale on gift cards (something like $10 when you buy $100) so I'll get a few for myself.
• deleted 1y ago
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• apothegm 1y ago
  The sales pitch is for people who don’t have the money on hand. But hope they will later when their next paycheck comes in.