I am tempted to activate SPayLater to get the RM55 bundle but I am not sure how the bundle work. Do they give you RM55 into your Shopee Wallet or is it just a voucher? If it is a voucher, is it one vocher of RM55 or 11 vouchers of RM5 each? Some seller gives 10% discount voucher. Can I enjoy their 10% discount voucher and the RM55 voucher from SPayLater? Ideally, the best is to get RM55 into the wallet. Any insights will be appreciated.

Don't hutang2 bro

Don't plan to hutang. Just want the RM55 voucher.

rm15 vcher spaylater
and the rest I think split into few also..cant recall

Ceh, not very nice then if it split to multiple vouchers. Thanks for your response bro.

Got 1 15rm off

Penny wise pound foolish...

This post has been edited by Nofusa: Jan 13 2025, 07:29 PM

I hope you are wrong

Agree. Later like me. Next month and next few months also got upcoming balance unpaid.

you activate, even if you didnt utilize it will affect your credit score

Don't create story , even bank negara say bnpl dangerous due to they don't summit any data to bank negara

Rm55 whatever buy twice without thinking
If you need kira2 with the rm55, probably you are the real target market of the BNPL scheme, because they want you to be indebted even further

credit score? u mean ctos? ctos has no influence on bank decision. its feel good story to ppl. they realli sukcesful so many ppl blif them.

yes CCRIS no effect.. but if not mistaken CTOS/Experian got updates for spay, gpay, atome

I probably need to Google what is CCRIS vs CTOS. Good advice so far. I’m cheapskate, so I want the $55, so I’m not BNPL target, I hope!

i use spay, then pay with cc, then only settle cc, up to 60days credit

They keep give 7rm free , or 10rm off no min spend , idk why u want bnpl .

Rm55 to open a door way to a hole, if u think 55 is worth it ... go ahead. Im not saying you will spiral down the hole ya.

The main difference between Ccris and ctos are
Ccris : BNM database, usually from banks cc/loan as well as some government loans like mara or ptptn
Ctos: private database, usually from some banks cc/loan, some private financing solutions (including aeon credit/instalment / BNPL like spay / grab paylater) or telcos/astro bills

Bank usually more weight in Ccris rather than ctos because Ccris by BNM is considered as more accurate

BNPL like spay later required you to pay a bit more attention on bill date. That's why spay later usually recommends 1 month or 3 months (both no interest rate), if longer then will charge interest rate already