Does one need to have credit card to participate in those buy now pay later scheme(bnpl)?

Ok, thanks for telling,.

While waiting for responses, maybe can read this for some added info while you wait.
Trend: Deconstructing ‘buy now, pay later’ services
https://www.theedgemarkets.com/article/tren...-later-services

"checks with Bank Negara Malaysia, the Ministry of Housing and Local Government and the Ministry of Domestic Trade and Consumer Affairs revealed that BNPL services are currently unregulated and there is no indication of the relevant agencies looking into the matter.

This is because BNPL falls within the ambit of a factoring agreement, explains Izwan Zakaria, managing partner at Izwan & Partners, which specialises in handling matters related to the technology, venture capital and start-up space."