Rebills vs PayDay Loans

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Derek Pankaew

Derek Pankaew

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It's funny - I've talked to several big marketers who do a lot of volume in rebills who've said they'd never run Payday because they think it's a scam.

For me, Payday loans are very clear cut: You're making a financial decision while being fully informed that if you don't pay the balance, it will screw your credit.

On the other hand, the sole purpose of rebills is to scam your customers into thinking they're paying $1.95 for shipping and then billing them $80 - $200 dollars that they weren't expecting to get hit for.

Oftentimes people getting rebilled are the very people who can't handle getting hit for $200. Google Cash and Grants specifically target people having financial difficulties.

On the other hand, with Payday loans if they default they made their own damn decision as an adult. For me personally, I don't run rebills, but I'd probably be okay running Payday.

I find it funny most people have it the other way around.
 


nobody_cares.jpg


We already had this discussion months ago.
 
Offer them payday loans for the overdrafts and overlimits after the rebills suck them dry.
 
Ethically, it's wrong. As long as it remains profitable and is legal, it will continue to be run.
 
Derek Pankaew said:
It's funny - I've talked to several big marketers who do a lot of volume in rebills who've said they'd never run Payday because they think it's a scam.

For me, Payday loans are very clear cut: You're making a financial decision while being fully informed that if you don't pay the balance, it will screw your credit.

On the other hand, the sole purpose of rebills is to scam your customers into thinking they're paying $1.95 for shipping and then billing them $80 - $200 dollars that they weren't expecting to get hit for.

Oftentimes people getting rebilled are the very people who can't handle getting hit for $200. Google Cash and Grants specifically target people having financial difficulties.

On the other hand, with Payday loans if they default they made their own damn decision as an adult. For me personally, I don't run rebills, but I'd probably be okay running Payday.

I find it funny most people have it the other way around.
Click to expand...


The moral inconsistency of some people amazes me.

Rebills are straight up deceptive. Payday loans companies are nasty, nasty organisations who tempt poor people into even more debt, then keep raising interest rates so they'll never pay it back.

They're both scummy things to sell. Along with cigarettes, landmines and manacles (unless you're selling them to sexual deviants).

You either do it, accept that you're making the world a shittier place and use the cash to buy high-thread-count egyptian cotton and a memory foam matress, just to ensure you don't miss any sleep due to it.

Or you don't do it, probably don't make as much money, but avoid having that slightly uncomfortable feeling you get when people ask you what you do.

It's your call.

Landmine rebill, anyone?
 
hrmm... I wouldn't think you need to go into the specific offers you are promoting when people ask you what you do for a living. ha!
I am into "online advertising"
-what does that mean?
I help serve various ads and promotions on the Internet
-ohhh.... interesting
Yeah, it is really growing and I'm having a great time with it
What do you do?
(conversation moves on)
 
peterryan said:
hrmm... I wouldn't think you need to go into the specific offers you are promoting when people ask you what you do for a living. ha!
I am into "online advertising"
-what does that mean?
I help serve various ads and promotions on the Internet
-ohhh.... interesting
Yeah, it is really growing and I'm having a great time with it
What do you do?
(conversation moves on)
Click to expand...

^^ Theoretical conversation ^^

Actual conversation....

Me - "I'm into online advertising"
Her - "what does that mean?"
Me - "I help server various ads and promotions on the internet."
Her - "Are you that scum bag filling my email box with fake rolex and dick enlargement pill messages?"
Me - "No that's Nickycakes."
Her - "So are you the prick that causes all those popups to show up on when I go to perezhilton.com?"
Me - "No, I do search engine marketing, speaking of which you're looking a little pudgy have you heard about the wonders of acai berries?"
Drunk asshole with mullet - "Hey man, did you jhusss call my girl fat!?"
:angryfire:
Me - "Uh no, I didn't. Say, did you know you can get a government grant to get your teeth... er, tooth whitened?"
Drunk asshole with mullet - "Imnuh whoop yer ass pretty boy"
Me - "I'm not scared of you hillbilly"

... Ass beating of epic proportion ensues ...

Me - next morning spent nursing hang over and fractured jaw, rationalizing to myself how I can sell snake oil and every other piece of fake bullshit pimped by the affiliate companies to people I feel are intellectually inferior and should pity but actually loathe.
 
justo_tx said:
Me - "I'm not scared of you hillbilly"
Click to expand...
This is where your business model ran into trouble.
"I'm not scared of you hillbilly" tells the hillbilly that you know he could wreck your shit like a drunk bus driver, and it tells him that you are scared of him.
Odds are good that you went white in the face like an eight-year-old bitch at the sight of his thick-as-your-credit-statement biceps, and barely squeeked out the first fifteen letters of "I'm not scared of yo-" before you pissed. All. Over. The floor.

Statistics show, you would have escaped this situation with less than half the asswhuppin's if you'd stood up to the hillbilly. Modern medicine even predicts it can add twelve to thirty eight years to your life!
If you had followed our confidence-increasing techniques in [ebook name redacted], fat_skeptical_bitch_01 in dingy_dive_bar will suddenly become hot Asian twins at the Bellagio! With this easy-to-read, 3 page book, you'll discover the confidence you need to intimidate hillbillys, get that fat bitch, preserve your unwhupped ass and save on hospital bills!
 
uplinked said:
This is where your business model ran into trouble.
"I'm not scared of you hillbilly" tells the hillbilly that you know he could wreck your shit like a drunk bus driver, and it tells him that you are scared of him.
Odds are good that you went white in the face like an eight-year-old bitch at the sight of his thick-as-your-credit-statement biceps, and barely squeeked out the first fifteen letters of "I'm not scared of yo-" before you pissed. All. Over. The floor.

Statistics show, you would have escaped this situation with less than half the asswhuppin's if you'd stood up to the hillbilly. Modern medicine even predicts it can add twelve to thirty eight years to your life!
If you had followed our confidence-increasing techniques in [ebook name redacted], fat_skeptical_bitch_01 in dingy_dive_bar will suddenly become hot Asian twins at the Bellagio! With this easy-to-read, 3 page book, you'll discover the confidence you need to intimidate hillbillys, get that fat bitch, preserve your unwhupped ass and save on hospital bills!
Click to expand...

Or you could just kick him in the nuts and run like hell.
 
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