neverrrrrrrrrrrrrrrrrrr

I used it before to buy hotdogs

RM 15 split into 3 months instalment

just use bank cc 0% interest installments

Now the trend is buy now pay later!

All living in debt!

And yes, used it to buy several item before coz got discount...owaiii

credit card business cannot do liao lor?

used one time for joey topper, 3 months as said yes, got some little bit interest, thats all

Lazada paylater uses atome yekceli

So if u use lazada paylater ur indriectly using atome

not only lazada, there's actually quite a number of partners who are using atome system/backend but front end show you as xxx

and chances are there's ALOT of people are using atome, just that they didnt know haha.

i even joined some of these BNPL facebook group. my my, you guys have no idea how proud[U] people are maxing out BNPL limit and showing off in facebook groups.

I actually used it for a 3 months installment.. wanted to test it out ... Had like 15 RM discount voucher and it was 0 interest promo.. it was worth it. But no more using as no more vouchers to claim..

pay before item arrived. so sux
hidup shoppe

SpayLater better. Kek

got use once a while

Same woso. If order kensel, tara sampai. Money/credit refund back

I used once. Got RM30 discount voucher IINM.

Back in SG I quite frequent used Atome so I can stretch my cashflow. Those say debt = bad really shows how financially illiterate you are

atome no.
but i am shopee paylater addict.

Almost kena scam, so i no like this platform.

Betul. With the right cc you get 8x cc points

Used when it first launched. Buy 1.5k item get like 300 off. Haven't used since

I use it because i get pay in 3 instalments, Banks normally 6 or 12

Buy stabaks. Need to help them.

Untung minum kopi boleh bayar 3 kali. Mcm zaman dulu guna buku 555

I tried out this a year ago when they had a good deal with one branded leather product that I like. Ok la, installment 3 bulan + 30% off. Good deal 😎

they were one of the BNPL that was released before grab / shopee did it and i tried to use it once but it was so unfriendly that i rather just do installmen with my CC
like why would i want 3 months installment if i can 6 month / 12 months interest free
i tried it with something small like 100? still felt kinda stupid using it
they tried to partner with alot of people to market it but in the end i just kinda forgot it
i think it was zalora they partner up with
if they want to invite me for a test screening to share my opinion, i wont mind it
also its a SG company that was founded by some kids with daddy's kasi money i thnk

But if u use lazada one, there is interest. For Atome , its 0 interest for 2 months(3 payments)

Because with CC installment, especially those 12, 24 mths installments, u will definitely tend to overspend . You dont tell me u buy that 1 item and for the next 12 months u wont spend anymore?

Atome is actually 2 months installment, and it allows u to clear ur hutang first before buying new stuff since its only 2 months installment

month end order spay kira nx month acc ady. totally cenaman style
laz is before 10th once place order kena charge on 25th. less than 30 day bro.
even ur item arrive after 10th #unfair #tak adil

#metoo

u know well. 2 month saja.
cc zero processing fee nowdays ?

This post has been edited by ktek: May 9 2025, 08:07 PM

I used it when they give voucher last time.

Now i stopped using it already

that's cheap, is that for 45 mins or 1 hour?