QUOTE(BenYeeHua @ Jun 16 2023, 07:45 PM)
1 time late pay, get ban, this is normal.
U don't know about Alipay right?
Then u will not know why lol.
And nope, I not gonna post about how it works, so keep getting ban la lol
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Ya, read all comments, they are really trigger it at max lol.
The problem with lazpaylater don't have Bank Negara and unregulated and only CCOB survey reports.
Found some article
https://www.malaymail.com/news/malaysia/202...ctor-soon/13420Now more and more people miss the repayment
https://www.thesundaily.my/home/bnpl-increa...3000-AJ10806372If miss repayment =
user laz apps banned from using if 2 months miss
user can't even use voucher or cashback to buy
user cheaper option to buy online groceries form laz gone.Have to buy outside = use more $
user give up laz apps and don't use anymore
user don't pay at all because cannot use laz apps buy cheap and use more $ buy outside
3 months later = user get red colour painted around their house ( possible because 3rd party no regulation by BNM , who is the DCA (Debt collector agency ? ) or
3 months later = user get poor CCRIS and need to clear them out
Those age 18 will have a lot of problem later in loans.
Until laz or ATOME having regulation with BNM then only it's safe to apply.Possible 3rd party Debt collector go find your family member or even go to your office later you all will have problem.
Some humour article explain ,
» Click to show Spoiler - click again to hide... «
https://cilisos.my/malaysians-are-getting-s...-might-stop-it/You know how it goes. You see a nice new phone or that plush new sofa set that you REALLY want, but your wallet is emptier than a Gen-Z’s hope for the future. But, omg, there’s an option to pay by installment – no credit card needed! So, you eagerly buy that phone and walk out the store feeling like a million bucks in debt. From this, a few outcomes might happen:
You realize you paid more because there were processing/service fees in the T&Cs
You get debt collectors hounding you because you suddenly couldn’t pay
You miss a payment and have to pay a LOT of interest and late fee charges
All of the above
Welcome to the world of Buy Now Pay Later (BNPL). You might think these aren’t different from credit cards or small bank loans, but there’s one huge difference….
There are no regulations for BNPL in Malaysia
The main
difference between BNPL and credit card/bank loans is that banks are regulated by Bank Negara’s policies. For example, no bank can charge you more than 1.5% interest a month if you’re late on credit card bills or
send debt collectors to harass your grandmother because of these policies.On the other hand, many
BNPL providers (credit providers) are not banks – they are private companies that provide financial services..............
QUOTE(PJng @ Jun 17 2023, 01:16 PM)
Ceh, sudden pop up collect, 200-40 vc
Platform or categories on beauty ?
If health and beauty other platform much better with rm30 off compare to laz.
QUOTE(BenYeeHua @ Jun 18 2023, 12:18 AM)
I wonder why so quiet about this 18-6, it shown up around yesterday 8 PM, but no one talk about it, hello?
Did it show coming soon ? , as i check , it only show up 12am ,
laz fcfs Not the same as other platform , don't have "coming soon" like cashback.So no one knows
Most product price increase back since no sales ,
Also No Shop Voucher.
You are good finding something with shop voucher to buy
by the time I search and found both , voucher oos.
QUOTE(FusionXY @ Jun 18 2023, 12:24 AM)
20% platform

other platform or beauty for laz ?
Other platform minimum rm18 with 70% off much better than laz.
12am/8pm also got, no need rush like laz.