Wtf i've been using spaylater all these while without knowing they charge a 1.5% processing fee per month.
That means i have been paying 4.5% extra charge for 3 months just to use Amex.
I only just realised today when i was making a big purchase of RM12,590 split into 3 payments.
RM2,590 - 1st payment became RM2,881.50 & RM5,000 2nd oayment became RM5,225
I paid RM341.55 just for shopee processing fee for nuts! So pissed, this makes spaylater totally not worth it just to utilise Amex...