‘The payment failed because it was supposed to’: Viewers defend customer who didn’t continue Afterpay payment after purchasing Skims

A TikTok user’s viral video claiming they bought Skims using Afterpay without intending to pay has ignited a fierce debate. (afterpay.com) The user, Maia, shared an email from Afterpay stating that her Skims payment had failed, suggesting that she had intentionally made the purchase without plans to settle the debt. While the video’s tone remains ambiguous, viewers expressed concerns about the potential impact on Maia’s credit score and financial obligations. The relationship between Afterpay and credit reporting agencies is uncertain, but warnings of consequences and the loss of future service echoed throughout the comments. The incident has drawn attention to the complex dynamics between consumers, “buy now, pay later” services, and personal finance.

A TikTok clip by user Maia (@maiachondrialmembrane) has gone viral, sparking a heated debate. In the clip, Maia shared an email from Afterpay, a popular “buy now, pay later” service, notifying her that her Skims payment had failed. (dailydot.com) The implication is that Maia intentionally made the purchase with no intention of paying for it.

While the intention behind the video remains unclear, viewers took it seriously and expressed genuine concern for Maia’s potential consequences. (tiktok.com) In the comments section, warnings about the impact on her credit score and the potential financial repercussions were plentiful.

The video drew attention to the danger of damaging one’s credit score over a relatively small purchase. Users emphasized the importance of maintaining a good credit history and cautioned against jeopardizing it for the sake of a single transaction.

The relationship between Afterpay and credit reporting agencies is not fully understood. While Afterpay claims not to report late payments or conduct credit checks, it remains uncertain whether the company reports debtors who fail to pay their debts altogether. (tiktok.com) (tiktok.com) This uncertainty adds to the complexity of the situation.

Some TikTok users reminded Maia that intentionally defaulting on payments could result in being unable to use Afterpay or similar services in the future. They emphasized the value of maintaining a positive relationship with these services for ongoing benefits.

However, a significant number of viewers expressed a carefree attitude, dismissing concerns about credit scores and future access to Afterpay. Some users even joked about the consequences, suggesting that the company should have known they couldn’t afford the purchase.

The incident highlights the broader issues surrounding the relationship between consumers, “buy now, pay later” services, and personal finance. It raises questions about responsible spending, credit management, and the potential risks associated with utilizing such services.

The Daily Dot reached out to both Afterpay and Maia for further insight into the situation. As the discussion continues, it serves as a reminder of the complexities and potential consequences of financial decisions in the digital age. (clearscore.com)

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