I use it just to use 10% shopee coin voucher.
I don't like that you cannot reduce the limit.
You also cannot cancel spaylater once you have activated it.
Scared one day when I'm on a frenzy random buy things with borrowed money.
I will research how to complain to tribunal later if I motivated.

This post has been edited by cxjiek: Apr 1 2022, 04:46 PM

Ya, cannot remove once activated. I tried to ask customer service remove but they said cannot, just ask me not to use it.

https://help.shopee.com.my/s/article/SPayLa...-get-it-removed

Customer service told me the system automatically gave the credit limit. Can increase base on your spending pattern. Not sure how exactly.