isnt credit card is better if u clear it everymonth?
summore credit card got points or cash back etc..
i would say using cc is better than paylater

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.

Maybe for peeps who dun have cc or dowan use cc ... tamo ada hand tail.

Its okay. Basically keep adding all your purchases in one billing and then you pay lump sum

I guess the plus side is it'll allow me to keep tabs on my spending in that month in lump sump lol

Never used the installment. I have more than enough money to pay full lel. Also interest rate.

I guess shupee does this to reduce friction for buyers and it worked somehow. Meh shupee is smart at playing pipu's minds

Sometimes certain vouchers (I would say most vouchers) are not eligible with credit card purchase. Is either shopee pay or spaylater

So i use Spaylater and pay later with credit card to also get cashback from credit card. Double win

I used it when they provide some benefits like free shipping.