is there any benefit from using paylater if we pay back on time? whats the difference from just using normal shopee pay/ebanking direct payment?


its credit card minus the credit score assessment and proof of income

Agreed with you. I sudah kena. Now slowly stop using this shopeey pay lateer..

credit card in camo la, use with brain mode on

For me because due to the nature of shopee. The risk of your package getting lost/damaged etc. It's safer to use paylater. at least no amount will be deducted from your bank account first. They will just reset back your paylater limit. Else have to wait 14 business days for a refund to be credited back to your account.

interesting. never thought of it like that before. but i have personally encountered situations where i demand refunds and even though they say within 14 biz days they usually are fast. sometimes within 1 day in my exp