https://www.directd.com.my/directd123



Mahal siot.
Take the iPhone XR 64GB for example, with RRP of RM2199.
Assuming 24 months payment plan:
Initial payment RM238
Monthly payment RM119x24 = RM2856
Total paid after 24months = RM3094, you end up paying almost 40% more! What the flying fuck

Baik amik credit card 0% installment deal kan?

Ya

but how do they make sure ppl arent going to run away with the phone?

can they do the telco-locked method?

maxis zerolution RM350/24 Iphone 11 Promax 256GB with 50GB data.

this is bullshit

Targeted towards a specific group. The ones who's bad at math and just lack sense.

This has been goin for long while dei, asal ada gaya.

Ye la mahu bayar ahlong baling cat not cheap now.

Notice lately that buy now pay later services are trending

the one die die must get and show off even in red for 2~3 year...
and continue blame dapig...

Bayar ansurans is life, janji gaya

Same here too. I supposed they have your personal details in place? Or somekind of credit worthiness report?

Many b40 will buy to look rich.

Ko tau x bile ada duit maka hilanglah makna mahal tau murah.

More like meant for those unable to apply credit card

Just something like giving out personal loans. Interest is high but many still take.

Much more profitable than selling phones but of course it comes with the buyers not paying back for the installments. Worst that you can do to them is just harass them on the phone and mail and put a bad record on their ccris and ctos.

Poket kosong takpe, janji bergayo

I've seen worst. Mostly from Koperasi loans. Up to 9 years agreement for a phone.

Ok what.

To service the poor segment.

Basically for poorfag.

If unable to afford something, don't buy. U won't die later from incurring more debts.

sh*pee now buy with s*nQ with M*ybank CC far cheaper

By making them much poorer?

my place got furniture shop offer plan for phone...
thos oppo/redmi/etc cheap china phone that less that 500 ringgit..
loan for 2~5 year with monthly installment 100+~200+ permonth....

for phone,if you can't afford to buy cash, don't buy it.unless 0% credit card instalment.

Last I know, they didn't put a gun to the poor's head for encouragement to purchase.

alot now take i-sinar to bought new phone!
installment ? is a JOKE!

Got sohai use Iphone XR in 2021?

Asalkan can show off using iPhone. At the back can stick the 3 camera stickers no one will know. Asalkan can tipu orang using latest iPhone objective success.

You serious?

Instalment plans are for plebs. Aka no free lunch

Its actually a good payment assistant for those who know how to manage cash flow and increase consumption in the market.

janji ada ipong

Dah memang betulkan?

Orang cina ngan india mana beli hutang2 sangat. If die2 also buy used.

Its called crab mentality, they will always be stuck in debt

One shop alone have 211 sohais. Imagine how many throughout whole Shopee and Lazada.

now u know why spm math so easy

Subscribe to telco 24 months iPhone plan
Need to use the telco line by the way

Kalau sudah bijak, kenapa masih di /k.

My ten x still kicking good.
No reason to upgrade.

The problem with people nowadays.

Dulu people sanggup berhutang keliling pinggang nak beli perabot, barang elektrik to show off their relatives and friends.

Nowadays sanggup berhutang because want to own a mobile device such as Apple

I don’t understand why people refuse to buy with cash from telco provider. It’s much cheaper and it’s not like you’re going to change your telco service provider every year.

Maximum take 24months installment. But poor people willing to extend until 36 months installment

Still true, just add phones, tablets to the list

Also cars

some people are up to impress 36M no problem janji ada gaya.

Yea man. Even grab is doing the same

Everyone is tight on cash. So the most logical thing is to get oneself into a debt trap

Ingenious!

Aku beli tv kat aeon byr kad kedit installment 0 interest..terpinga2 diorg cakap x penah org beli installment..tapi kat atas kepala dok gantung board iklan tu

Ko biar betul nora. Wtf is this shit. Wkakakakaka mmg babi la camni

This post has been edited by hellkvr: Jun 5 2021, 12:05 PM

Gila 36 months.... pay few hundred for a phone. That money i would happily use to pay for my utilities.

their target who those who cannot think further ahead than tomorrow, can't count and easily cheated

meh.......

my iphone6 still good.

no need change

Dafaq got ppl buy ka? Why not just sign telco package cheaper somemore

poor fag see cheap monthly for 36 months and gonna buy it

Better buy from umoble plan lime that

Yep ..serious...
When the saw the banner/Banting....
I was like wtf.....
Who gonna take those cheap phone and pay for 2 year installment.....
I go check the phone price....
Walao....just save 2~3 month money can buy cash Liao ...

Targeted at those bad at financial and wants to looks cool group.

buy now, runaway later

Got people so bodo? Pay per month 100-200 for China phone less than RM 500?

U never know....this world got many bodo people...
In this govt already got so many example....

0% 12 month cc installment better

No money dont buy phone with installment

Sounds like a good plan... for the uninformed

Senheng is best when it comes to 0% installment

lol that’s why i always buy phone at one off

pay instalment for phone boleh, if you’re T20

kalau B40 and M40 tu then you guys are too poor to have that phone

Ada lah cases macam ni. Hahaha.

beli iphone pun ansuran

better think of priorities first

Your phone had imei number. You no pay terus lock the phone.

I got 2~3 employees bought their iPhone 12promax this way..

8k+ total per iphone

Memang sohai. Want to flex pro. See side already know not pro version

I guess if they had to result to this, means you're not paying them enough?

Credit card ma. They swipe ur card then do installment

Lucky I no CC. Or else sure Max again

As usual red paint. Owaii

CC 0% la yo

CTOS loh

wtf 9 years?

can the phone even last 3 years lmao

They are 19 / 20 years old spm grad..

Working in retail.. 2k plus lo.. If good month almost 3k lo..

They shouldn't use Iphone12promax lol..

My Huawei rm2k only.. And so many of my staffs using iphones.. Really dun understand.. 😢

My first >1k phone was until my income more than 10k per month lol😂

Topkek then it doesn't appear they have their priorities right :x

unfortunately nowdays strawberry gen tend to flaunt their wealth rather than ignoring the price. thats why social media are more crucial to them

If you have to resort to a 3 year installment plan for a phone, it means you're poor and desperate.

No one should have to finance their phone for that long.

"Flaunt their wealth"

More like lack of wealth if they have to pay it across 36 months.

And then proceed to call Android users poor knowing full well they can't afford that iPhone with a one time payment.

baik pinjam sikit dengan kekawan, bayar balik jika perlu

eja deivice pun tak betul

pakai case then kenot see side lor

Still can la. The curve different

I oso hutang keliling pinggang for perabot leh. No issues man. Monthly installment for 12 months only. Chill

But those taking this directD installment plan are really crazy. U can get cheaper alternative by using cc 0% - a few percent monthly payment. I mean wtf lar

got "sambung bayar" or not? If you know what i mean

IPhone, design by Yahudi, made by CCP.

Woah good catch!

Deng. 36 bulan.
By the time habis bayar, phone dah rosak

they will markup again by forcing you to buy their insurance

Yes.. A lot of them will need to advance rm200 - rm300 almost every month.. But all using more expensive phone than me..