Different people different financial management. A lot of reasons why one don't take 0% installment.

1. They think got hidden agenda.
2. They have the mindset that "installment means can't afford".
3. They prefer one-off payment so no need to worry about monthly installments later.
4. They lack of self-discipline - may use the money to spend on other stuff instead of paying monthly installments.
5. They don't want the installment amount to fill up their credit limit.
6. They may want to apply loan in the near future so they want a better DSR.

and so on.

I bought directly from machines.

0% HSBC.

Siap free gift and voucher somemire.

I stil remember my first Citi CC only combine limit 3k .. yours better than mine already but this is LONG time ago la when I first start work around (around 2016 ish)

Aeon credit

Nowadays even Lazada and shopee also don't offer 0% installment.

Wonder why? Probably pushing their own paylater service?

i think the limit is still 3k if the pay is like 2.8k

I said that to myself since iphong 4

Now already iphong 14, still cannot afford.

So buy car and house must be 100% cash also?

I don't have that mindset. But apparently a lot of /ktards think that it's OK to take 3% installment to buy car but it's not OK to take 0% installment to buy phone. Maybe they can answer you.

Lol
0% tak nak ambil
especially instalment comes with free 1 year warranty and free Uniq casing
but to each their own

same mindset like people who prefer use cash vs credit card

Never buy something more than what u can save in 3 month.

If you are 100% confident you can pay the instalment on time, 0% easy payment is smarter than paying in full by cash.

whyyyy?

yaaaa, and the outstanding balance will take up your cc limit (diminish as you pay). but whose cc limit is only 4.2k ?