how many of u guys kena? easily forget to pay after use. even outstanding is RM10+ also kena same Rm10

unlike grabpaylater they will auto charge ur cc.

not complain just asking if many also kena that

RtK b40 dun want to add more debt, so incur no debt

Dun use so no headache.

That's how they trap you. If you want to use best to smarten up and set reminder next time

HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHA

Kesian

People with no discipline and poor time management cannot use these Pay Later plans. It's credit card without the card..

They no auto deduct?

Credit card and loan also got such rules what. Minimum late fee charges.
And then there's the increased interest rate

i no no to utang utang

dont use shopee pay later, settle

They got send sms

They send u notification still forget to pay?

They send you so many notification about shitpaylater also still forgot pay ah?
Dont use la

shopeepaylater is a scam

I still have the bnpl account active i think RM 6k or RM 6.4k can use, i think is only worth trying if 3 month 0% interest or 6 months 0% interested

I remember first day xiaomi 14 release in Shopee you can get 6x months installment 0% interest

I mostly use for first time seller in case anything happens can deal with CS and duit pocket belum tolak lagi for me is a win win 😂

I pay cash terus, buying things online pun mau hutang2? better fix your bad habit son

this.

Got ppl even use spaylater to buy fried chicken
My friend in shopee tell me more than half their revenue come from this spayleter

Rm10 only..?? just pay la...... very reasonable already. my sg credit card. late payment charge, regardless of amount is SGD100

I use it for their discount voucher, but pay immediately after receiving item.

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

Get credit card lah

Got 0% installment..

Why wanna use shopee paylater

If not eligible for credit card, then it means you shouldn't be eligible for shopee paylater also, but I know anyone can get approved

Work on credit score, apply credit card, sure can get one. I B40, got credit card but not a first or second try.

This post has been edited by Natsukashii: May 4 2024, 07:55 PM

That's how they make extra extra untung...

myr 10 also nak mintak pay later ?

If hutang less than RM10 also kena RM10?

sometiems got RM5 diskaun i use, even RM60 can spread until 6 months

but i always pay on time no problemo

Look. Don't hope for compassion if you owed money NOT for food, clothing or rent.

if dun byr then what happen?

Wut u expect

Chynama company always use underhand tatic

how can forget...
shitpee keep send reminder everyday....

none. if bank i’ll call and request them to waive. but all new era digital bank won’t do this. haha. i’m fine bro pay as it’s my fault.

This post has been edited by TheLegend27: May 4 2024, 09:35 PM

i kena before lupa bayar hahahaha
jilaka rm10