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Author: YgBenar

[Tempatan] Beli dulu, bayar kemudian cara paling mudah berbelanja.Anda setuju?

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Post time 16-8-2022 03:16 PM From the mobile phone | Show all posts
Kitty_catz replied at 16-8-2022 02:33 PM
ini untuk yg ujung2 xmampo nk bayo , kn gak mintak tulun sama AKPK itew utk kasik nasihat disampin ...

Ye la kan... Kalau missed bayar lagi teruk dari CC dianya late charges... Dah macam ah long dah
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Post time 16-8-2022 03:31 PM | Show all posts
sebab ape nak byr kemudian tp nak brg dulu. sebab xde duit. bila gaji, byr itu ini, duit ttp x cukup. brg ttp nak kena byr. makin tmbh beban dalam kepala otak ada la.
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Post time 16-8-2022 04:06 PM | Show all posts
green~tea replied at 15-8-2022 12:02 PM
Never use this kinda facilities

Agree kaka. Meols pun kalau beli barang make sure memang ada duit nak bayo. Kalau takde duit, dok diam2 takyah gatal tangan nak shopping. Trend sekarang, almost semua website offer bnpl ni.
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Post time 16-8-2022 04:18 PM From the mobile phone | Show all posts
hashashes replied at 16-8-2022 04:06 PM
Agree kaka. Meols pun kalau beli barang make sure memang ada duit nak bayo. Kalau takde duit, dok  ...

BNPL ni tak silap i lah.. dia tak pakai credit limit cc pun kan.. tp dia akan be part of CTOS or CCRIS scoring tu...

Benda2 mcm ni seolah memudahkan orang terjerat dengan hutang bukan2 yang org akan berbelanja lebih dari kemampuan...
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Post time 16-8-2022 04:21 PM From the mobile phone | Show all posts
VespaSilbe replied at 16-8-2022 03:16 PM
Ye la kan... Kalau missed bayar lagi teruk dari CC dianya late charges... Dah macam ah long dah


Berapa dia punya financial charges tu? Kalo cc yang i pernah dengar is around 19% p.a. unless u pay full statement balance every month, and it is compounding rate monthly
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Post time 16-8-2022 04:26 PM From the mobile phone | Show all posts
MadameOnion replied at 16-8-2022 09:28 AM
kalau hoolah atau atome tu mcm ok lagi..shopee paylater tu jangan la..mahal sungguh admin charge..

Laaaa... on top of financial charges (if lewat bayar), ada admin charges la pulekkkkk????
TQ for info.. i pun suka nak amek tahu, for knowledge

I takde akaun shoppee pun... menyibuk je lebih
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Post time 16-8-2022 04:28 PM From the mobile phone | Show all posts
dewi_rina replied at 15-8-2022 03:55 PM
cara nak habiskan duit, beli beli beli dan beli.. nak nampak mewah sampai sanggup berhutang

Tapi barang2 shoppee mana mewah nye
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Post time 16-8-2022 04:33 PM | Show all posts
Bahaya ni. Jangan terjerumus uolls.
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Post time 16-8-2022 04:40 PM | Show all posts
green~tea replied at 16-8-2022 04:28 PM
Tapi barang2 shoppee mana mewah nye

ada chuols, phone tu boleh pay later
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Post time 16-8-2022 04:42 PM | Show all posts
hashashes replied at 16-8-2022 04:06 PM
Agree kaka. Meols pun kalau beli barang make sure memang ada duit nak bayo. Kalau takde duit, dok  ...

i pernah guna sekali guna atome, 3 month installment
gaji terus tolak dari account , so takde extra charges
settled tu terus rasa bestnya, taknak dah guna pay later ni
rasa macam beban sebab berhutang
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Post time 16-8-2022 04:50 PM | Show all posts
MadameOnion replied at 16-8-2022 09:28 AM
kalau hoolah atau atome tu mcm ok lagi..shopee paylater tu jangan la..mahal sungguh admin charge..

i pernah guna dua2, yg atome ada extra discount RM 15 for first time user
pakai jela, pastu brg tu tak mahal mana pun
saje nak mengabiskan duit punya pasal, cari masalah
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Post time 16-8-2022 05:03 PM From the mobile phone | Show all posts
green~tea replied at 16-8-2022 04:21 PM
Berapa dia punya financial charges tu? Kalo cc yang i pernah dengar is around 19% p.a. unless u pa ...

Aku dgr mahai dari CC je.. 17%.. pastu ada hidden charges.. sorry dgr gitu2 je
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Post time 16-8-2022 05:32 PM | Show all posts
meol pernah guna skali dari app paylater. masa tu ada promo beli barang apple certain amount ada discount. meol beli duo charger & tali jam. since barang apple tak pernah ada sale meol pon guna lah installment 4x huhuhu jimat la RM100
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Post time 16-8-2022 05:38 PM | Show all posts
dewi_rina replied at 16-8-2022 04:40 PM
ada chuols, phone tu boleh pay later

oooo.. phone... iols biasa beli lazada pun serum, cleanser, sunblock, dettol, softener gitu je

phone last time iols beli in jan 2019, tu pun beli kat kedai... tak terfikir plak bende gini jual kat shoppee etc
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Post time 16-8-2022 05:50 PM | Show all posts
iols pakai je spaylater. yg penting jgn drag sampai setahun. sama ada guna bnpl @ installment 3 bulan je. % tak besar sgt. Hari tu iols beli almari, interest kena byr dalam RM9 je. Lg murah dr bayar tol dan parking ke Ikea konsepnya
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Post time 16-8-2022 06:38 PM From the mobile phone | Show all posts
Seeloknya elakkan sbb akan galakkan kita berbelanja di luar kawalan dan kemampuan.
Takde duit nak beli sila tangguh dulu
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Post time 16-8-2022 06:58 PM From the mobile phone | Show all posts
Baca thread ni baru tau ada option bayar installment kat shopee....hahahaha...  
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Post time 16-8-2022 07:28 PM | Show all posts
VespaSilbe replied at 16-8-2022 03:16 PM
Ye la kan... Kalau missed bayar lagi teruk dari CC dianya late charges... Dah macam ah long dah

itu pasai opah kabo.. ukur baju di badan sendiwi

kalo rasa iman tak cukup kuat... stop masuk socmed.. tu suma dunia tipu tipuuuu chuolssss
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Post time 16-8-2022 08:54 PM From the mobile phone | Show all posts
Credit facility ni perangkap orang je
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Post time 16-8-2022 09:30 PM | Show all posts
Buy Now Pay Later = Nama baru utk berhutang....
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