I used BNPL sometimes but always paid on time or after receiving the notification from the app. No biggie.

CC 0% installment with Bank >>>>> SPLater

no use

just use cc and centralized on that enough

Ayam poorfag no money pay later so only use cash je

I buy fried chicken with cash or e-wallet....not in installments.

if merchant receive spaylater vs tng and other ewallet, fee is same to merchant?

I never activate SPayLater, not even Spay

self-inflicted-jatuh-basikal.jpg

Can go shopping online but no know how to use semaphone to set reminders to pay your dues? Diu

once u confirmed ur purchase, u can already pay early for the spay later

Padan muka bodo

Forget ur mum. Bank cc don't even send reminder, I don't even set reminder also can settle nicely

beri gud

Never kena yet. You can always pay earlier.

coz wanna wait after cc statement date only pay. greedy.

Just set on ur calendar few days before due date and set monthly . So hard to do ? atome is even more cruel rm30 per late settlement . Spaylater is ok for use . Coz pay next month normally zero fees .
Besides stats show bnpl users are quite disciplined also according to this report .

I know. I am too. So I can understand. But shopee usually notify you multiple times before due. Just have to be careful.

Spay later better because it doesnt eat into your CC monthly credit limit

they not gonna automate your payment lor

they want you to missed payment and earn fee from you mah

debt 600k..+rm10 no rasa. kena ma kena lo