QUOTE(Haloperidol @ Aug 19 2024, 04:19 PM)
Yes i notice about that.
We can pay early.
But lets say i had a bill of RM 1500 , due next month 20th, i can't split the 1500 into 1000 (amex 2c) and 500 (amex ikhwan)
need to be smart on the spending and payment
1. If there is 1 month 0% and 3 months 0%, always take the 3 months so that you have more time to finish your payment.
2. Before you make any spending with Spay, check if want to pay off the current Spay debt first, else it will snowball bigger.
(Same thing with Shopee purchase, before you confirm Order Received, check if you want to make early repayment first).
3. If your card cashback has been exhausted, try to defer payment using SpayLater.
4. If your card still has cashback left, you can choose to pay with card directly without going through Spay.