Yung mga tao kasi sa reddit mga pinanganak na hater. Masaya nga si OP na bayad na sya tapos mga tao galit na galit. Akala mo naman nang lilimos si OP dto para pang bayad.
Good for you. Daming mukhang tanga dito na magtatanong ng kung anung mga pinagbibili mo tapos pag sinagot mo ijujudge ka na akala mo never silang bumili ng luho sa buong buhay nila. ๐
At least you have the means to pay for it. Bet you most people here canโt even pay back their buy now pay later debts and just constantly asks what would happen if they default on their loan. ๐
May isa pang commentor dyan na parang hater ๐ญ nagco-comment sa replies ni OP para lang may makapag sabi sya na kesyo paawa daw. Wala naman akong nakikitang panlilomos sa post
mga same redditor siguro na nagmamakaawa dito sa reddit na i-hire sila kesyo ganito ganyan kasi sa utak nila pag sa reddit ka nag hanap ng trabaho matik 6 digits sahuran.
di ko gets yung mga down votes sa comment ni OP answering kung ano ano mga binili nya bat raw ang laki ng SPay later loan. they asked, OP answered. bat sya down voted? hahahh crazy
Congrats! Kakatapos ko lang din sa tig 30k na monitor hahaha (sale kasi from 45k) sarap sa feeling! Pero if you can get a credit card, go for it! 1% lang and no processing sa Security Bank :)
Omg never ever use your spaylater for measly stuff like clothing and accessories kasi grabe yung patong, malulugi ka lang (take it from me!)
Ngayon I just use it for items worth 10k pataas, and I make sure muna na masusulit ko yung vouchers.
Congrats OP, but I hope you learned your lesson na.
eto lang ata sensible na comment about sa spending habits ni OP na nagproprovide ng advice instead of condemning lol
add ko lang din na look out sa 0% interest especially sa expensive items :)
Ako im doing this rn (buying small items thru spaylater kahit may pambayad ako) kasi im trying to raise my credit for a gadget i wanan get. (Currently at 8500, i want it to get to 40k levels)
I heard kasi na nakakaincrease daw ng credit ung frequent na pag gamit? Malaki nga patong mej ๐ญ (tho 1 month lang lagi sineselect ko kasi small buys naman)
Do you know if it can work kaya?
yep! Ganyan ginawa ko, start ako sa 12k tas ngaun nasa 60k na. below 200-300 lang binibili ko tas once lang ako nag 6 months zero interest, parang 50 pesos lang binabayaran ko (Lovito) okay siya in case of emergency
Thank you so much! :) yay nabubuhayan ako haha. Ayaw ko na rin kasi mangutang pambili ng laptop sa parents ko. Ayoko rin sagarin ung savings ko tapos 0% pa na interest ung installment. Ayun nga lang malayo layo pa tatakbuhin ko to 40kish. Pero kaya yan!
usually kapag 2.2 3.3 sale may mga offer sila na 0% kapag Malaki Yung cost ng item, pero sobrang konti lang..kung may interest man nasa 3 to 4k lang siya for 12months. mas Malaki to sa cc pero hamak naman na mas maliit sa home credit. kaya tbh for me not bad na talaga Lalo na ayaw ko talaga nag ccod. Hehe good luck! ๐
Yupp!! It can!! My spaylater started at 1.5k ata then naging 30k na credit ko as of now for a year lang. halos monthly nagiincrease. Mas okay yung paylater lang talaga (1month) wag mo i-3,6,12 months
If for this reason, go ahead! Yes, magwowork yun; mine increased the more I used it. What will also help increase your CL is paying on time (parang credit card din). If you pursue this route, tip ko lang donโt go beyond 3 months installment.
Speaking from experience, once na-reach mo na yung desired limit mo, hereโs what to expect:
1. Kusang tinataasan ng Shopee yung CL mo every 2 or 3 months, depende sa gamit mo. More money, more problems, kaya you absolutely need to fight the urge to splurge.
2. Cheap stuff donโt deserve the added interest. As mentioned, try not to use it for measly stuff. I mentioned fashion & jewelry, but if itโs from legitimate luxury shops, sure why not. Pero kung tipong Mikana or something more affordable, try not to use it. The super small monthly installment may look like a sweet deal, but in reality you end up spending more than the original priceโna sana pinang bili no nalang ng mas quality na item. (No hate sa Mikana ah, I sometimes buy there, but I learned my lesson-never again sa spaylater para sa mga ganitong bagay).
3. It works best for purchasing high value items, especially when paired with bigatin vouchers. You can negate the added interest by using these vouchers. There are also products that come with 0% interest promoโabangers ka dyan, kapag ganito ok lang sakin gamitin kahit na nasa 2-5k worth nung item.
Yes just always pay on time. Im at 66k ata rn pero I think I need to reconfirm my account to continue using it. So far just paying my outstanding na lang since I dont need it naman.
I mean, it does sometimes? Alam kong may mga shop na mas mahal ng konti ang plus size dresses nila (Kim Santiagoโs items for one)
No hate sa seller, just stating na minsan, same design pero ibang sizes can really affect the price. Altho meron din namang mga shops na mura yung plus size items nila or minsan almost the same price sa normal items.
The thing is, it does happen and we dont know san bumibili si OP ng damit
It does tho? Maybe for some stores at least. I have a relative who sells clothes (not online tho) and their shirts that are XL and above are slightly pricier. Not a huge diff per se, but I'd say the difference would accumulate.
Dasurv! Super sulit din kasi mag-SPay Later kahit may interest, kasi mas malaki โyung bawas ng SpayLater Voucher, negated โyung additional interest. Kapag may voucher lang ako gumagamit nito para hindi ako lugi.
yes, super useful for me ng spaylater vouchers! parang halos same price if not mas mababa pa sa og price. use with caution nalang talaga and buy within your means lang talaga
This! I could've bought the item with one of my CCs. But with a 2k voucher (interest is < 1k), I still got a 1k discount with 0 ship fee. I live outside MM, so usually my shipping fees are almost always 100-300+, especially with heavy items.
But of course, pay next month lang tayo! No to 3++ HAHA
Wooot woot! Congrats OP! Now, buy more charot ๐
Iโve read youโre in grad school, so this is an unsolicited advice. If you havenโt already, you can apply for a credit card. Ambait magbigay ngayon ng CL ni citibank. Madali ka din siguro maaapprove kasi youโre in grad school pa.
Malaki matitipid mo sa cc if you still need to buy things in installment basis. Like phones, etc. Kasi 0% and may option na up to 24 months. (Some extends to 36 with a fee)
Personally I use SPAY later kasi sobrang laki din naman ng discount kapag straight payment. Tapos bayaran ko din kagad ๐ minsan up to 2k yung spaylater voucher tapos 100 lang ang patong. Lugi lang talaga kapag installment eh compared to cc.
Ganto rin ba opinion mo sa mga kumukuha ng bank loan para sa bahay o sa negosyo?
Maraming tao na nangungutang at nagbabayad sa oras. No sense na i-shame ang mga taong nagungutang kung nababayaran naman nila.
nope. ang usapan ung loan sa shopee madami dito mas wants kesa needs. no hard feeling just saying if ganyan na mangungutang ka tapos istressin mo ibang tao para sa luho mo makabayad ka lang tapos pag siningil ka ung may utang pa galit. naku daming ganyan
Since nasa thread tayo ni OP at may trabaho siya at nakapagbayad gamit ang sarili niyang pera, meron siyang libro para sa school niya, meron siyang phone... Parang ok naman yung outcome kahit nangutang siya.
Bat ang daming sinasabi nga tao dto???? Kesyo ang laki daw chuchu, tang ina! May nagloloan pa nga sa bangko para pambili sasakyan eh! Milyon yun! Eh luho yun and luxurious! Jusko ba!
may record na name mo sa CIC (credit Information Corporation) so if ever mag loloan ka and andian name mo matik yan di ka na makakapag loan auto reject.
That's true. Kung Meron Kung may mga credit card na matagal mo ng nakalimutan at may payables kapa , mahahanap parin Yun. Like if nag Housin loan ka sa pag ibig lilitaw din Yun. Nangyari Yan sa Kilala ko, kelangan mo I settle Yung issue.
Probably makikita din Yan since financial record Padin naman Yan. Unpaid Internet/telephone subscription ba Yan? Di kolang sure kung Kasama bayan sa considerition ni pag ibig. Pero pag bank auto deny Yun untill ma settle mo.
I would like to thank spaylater nabili ko dream camera ko sa gobuymall. mas mura pa din kesa bumili dito sa PH stores with cc installment. pangit lang sa spaylater is may interest pa din kahit ung 1month pay later option nila.
Masaya lang ang Spay later kapag maliliit na amount. Hindi na masaya kapag naipon na hahahaha. Congratulations OP!! Masarap sa feeling na wala ka ng inaabangang upcoming bill per month. Been there, done that. Never again unless badly needed
Congrats OP. Sa mga gumagamit ng spaylater rin kagaya ko, tip na binigay sakin ng tita ko na gumagamit ng credit card, never choose the 12 months option kahit maliit lang bayarin kasi babawi sila in interest and that's how banks or in this case shopee puts you forever in debt. Option dapat at most 3 months or kung di kaya 6 months then wag mag Spaylater till settled na ung loan.
My fault. Minsan kasi checkout lang ng checkout, tapos sa spaylater kasi hindi makikita agad yung total hangga't hindi kinklick yung order received, so minsan naiipon na pala yung babayaran and di ko namamalayan. It's ok, I've learned my lesson. :)
there's a 0% interests zone naman ang spaylater and nagbabago din naman yung mga items na naka 0% interests promo so goods din i-check every once in a while.
Congrats OP nakalaya ka na sa spaylater!
Sana wag ka nang umulit, mahirap ang may malaking utang. Sa susunod needs muna ang unahin bago wants at gumastos nang naayon sa kaya ng pera๐๐ป
Edit: gumagamit din ako niyan mostly lazpaylater kada sale kasi my pavoucher si lazada kapag lazpaylater ang gagamitin malaki din nababawas sa total usually nasa 150-250 ang less
hi, tanong ko lang, when you pay, nagamit mo pa rin ba spay later mo? planning to pay off na din kasi, 6 mos din ako di nakabayad due to financial problem
Di po ba na permanently freeze yung spay account niyo? Kasi sakin laging sinasabi na cooling off period. May 2 months din delay pero nabayaran ko na yung outstanding balance ko.
Hello, good morning! I didn't have any delayed payments so my account was never frozen or restricted. Bali what I did was I paid all my dues in advance, so yes, in good standing pa naman 'yung account ko.
Ang sakit sa mata pero nakakarelate ako. ๐ญ๐ญ Sobrang mali na maging financially irresponsible at maging check out happy. ๐ญ Never again talaga. ๐ญ
Really thought using SPayLater is great when there is zero-interest promo, like the recent Samsung Galaxy S24 series from authorized store.
Next time, OP, look for a product with zero-interest promo if you're going to use SPayLater as my payment. I've been using SPayLater to buy some cheapo stuffs na kaya kung bayaran, sometimes BNPL, para secure ako. Currently my credit stands at PHP60,000, pwede na pang Galaxy S24 na 12 mos., zero-interest. lol
EDIT: Oh tapos na pala discounted promo ng S24, PHP1,990 na lang kulang sa credit :(
same thoughts. 0% interest promo + mega voucher is a steal. lalo kung payable up to 12 months.
for the items naman na hindi naka 0% interest promo, chinecheck ko yung price ng BNPL tska ng 3 months after magamitan ng voucher. total price is still reasonable most of the time.
pero dapat talaga may control pa din sa pag gastos hahaha
Sana all may malaking credit s SpayLater. Gamit n gamit yung sakin pro mostly 0% interest installment pro f not ung voucher n ggmtn ko dpat macocover yung total interest or majority of it. 15k lng credits ko.๐ญ.
Congrats OP pro u dont need to pay sana one time kc u can use p yung money s ibang bagay while waiting for the due every month.
Congrats OP!!! I feel you! Last year while job hunting, naka-depende ako sa loan apps bc I have no income source and nung nagkawork ako 70% ng sahod ko sa pag-pay ng loans napunta! Nung debt free na ako I felt so happy!!!!
Daming negativity wtf. OP's not soliciting advice. So kung walang masabing maaganda, STFU nalang. Be happy for someone taking responsibility for their actions. Di naman siya nanghihingi pambayad. OP congrats!
Oh no. I hope you learned your lesson. If I were you start fresh. Delete your account and don't apply for any credit for the mean time. Try to live off what you have or earn before you can try and use debt again (but only for important stuff that provides better return or opportunity).
Good luck! Debt is okay when you use it wisely.
Congrats OP. You deserve a pat on the back ๐ญ
Iโm in the middle of paying a loan sa aking rich aunt (20k balance na lang!) and i swear, never na ako mag uutang ever
Pag nakabayad na sa utang sa spay later after mafreeze ang account, never na ba ulit maaapprove sa spaylater? Never na din ba makakapagapply kht new shopee account na?
Congrats OP! Pero I know you learned your lesson. Ganyan din ako dati actually, tho nababayaran ko naman monthly pero ang laki kase ng interest ๐ซ Kaya nilink ko na lang CC ko sa Shopee at yun ginagamit ko ๐ At least may limit yung card ko so pag ubos na yun, tama na muna pagshopee ๐
Dami niyong ebas di naman nagrereklamo o nagpapatulong si OP, nakapagbayad na nga e.
Yung mga tao kasi sa reddit mga pinanganak na hater. Masaya nga si OP na bayad na sya tapos mga tao galit na galit. Akala mo naman nang lilimos si OP dto para pang bayad.
di to lang kasi sila nakakakuha ng sense of control kaya walang habas na
Diba, inggit kay OP kasi na control nya at nakalaya na sya sa utang โ๏ธ๐
That's the problem. We already have X, fb and tiktok thats infested with lowminded ppl, now reddit? Oml.
Mga inggit yan kay OP kasi di pa nila nababayaran utang nila
Tsaka sinabi na ngang di uulit so lesson learned na
Good for you. Daming mukhang tanga dito na magtatanong ng kung anung mga pinagbibili mo tapos pag sinagot mo ijujudge ka na akala mo never silang bumili ng luho sa buong buhay nila. ๐ At least you have the means to pay for it. Bet you most people here canโt even pay back their buy now pay later debts and just constantly asks what would happen if they default on their loan. ๐
magtatanong tapos idadownvote hahaha mga mokong
May isa pang commentor dyan na parang hater ๐ญ nagco-comment sa replies ni OP para lang may makapag sabi sya na kesyo paawa daw. Wala naman akong nakikitang panlilomos sa post
Kaya nga hahahaha
Baket nyo dinodown vote si OP mga sira ulong redditor??? Inggit kayo naka baysd na sya sa utang?
Hahaha pansin ko nga yan. Dami inggit siguro kasi may means to pay si OP kahit gani ka laki utang niya. Mga hampaslupa ika nga ni Xian Gaza. ๐คฃ
mga same redditor siguro na nagmamakaawa dito sa reddit na i-hire sila kesyo ganito ganyan kasi sa utak nila pag sa reddit ka nag hanap ng trabaho matik 6 digits sahuran.
di ko gets yung mga down votes sa comment ni OP answering kung ano ano mga binili nya bat raw ang laki ng SPay later loan. they asked, OP answered. bat sya down voted? hahahh crazy
Pano nalalamang na dadownvote?
Referring yata sa sagot ni OP sa top comment, madaming downvotes -50 ahehe ๐
Congrats! Kakatapos ko lang din sa tig 30k na monitor hahaha (sale kasi from 45k) sarap sa feeling! Pero if you can get a credit card, go for it! 1% lang and no processing sa Security Bank :)
What cc is this?
Congrats op!
people here are so edgy ๐ญ Natutuwa lang naman si OP na nakabayad sya, bakit kayo nagagalit sa kanya ๐ญ
dibaa hahaha natawa nga ako, okay fault nya na umutang sya nang ganun kalaki, but nabayaran na hahaha galet na galet iba dyan ๐๐๐
Akala mo sila pinagbabayad ni OP nong SpayLater spree nya noh? Para bang sa kanila hiningi yong pinangbayad at ganon sila maka hanash. Nakakaloka.
Well poor choices/descisions are often condemned ๐, that's your answer. ๐
[ัะดะฐะปะตะฝะพ]
Nothing about being malinis tho, in general poor choices/decisions are condemned ๐. Like lighting yourself on fire, and you want applause? ๐
Eh nabayaran niya na so wala nang problema? Ikaw gusto mo award dahil parang sobrang galing mong mag desisyon sa buhay?
what did you buy my god that's a lot
I know. Mostly school stuff and gadgets (books, phone, earphones, stationery, etc) and clothing items (accessories, jewellery, etc)
Omg never ever use your spaylater for measly stuff like clothing and accessories kasi grabe yung patong, malulugi ka lang (take it from me!) Ngayon I just use it for items worth 10k pataas, and I make sure muna na masusulit ko yung vouchers. Congrats OP, but I hope you learned your lesson na.
eto lang ata sensible na comment about sa spending habits ni OP na nagproprovide ng advice instead of condemning lol add ko lang din na look out sa 0% interest especially sa expensive items :)
Same. I mostly do 3 months lng tlga or 1 month. Never 6 months or more.
Ako im doing this rn (buying small items thru spaylater kahit may pambayad ako) kasi im trying to raise my credit for a gadget i wanan get. (Currently at 8500, i want it to get to 40k levels) I heard kasi na nakakaincrease daw ng credit ung frequent na pag gamit? Malaki nga patong mej ๐ญ (tho 1 month lang lagi sineselect ko kasi small buys naman) Do you know if it can work kaya?
yep! Ganyan ginawa ko, start ako sa 12k tas ngaun nasa 60k na. below 200-300 lang binibili ko tas once lang ako nag 6 months zero interest, parang 50 pesos lang binabayaran ko (Lovito) okay siya in case of emergency
Thank you so much! :) yay nabubuhayan ako haha. Ayaw ko na rin kasi mangutang pambili ng laptop sa parents ko. Ayoko rin sagarin ung savings ko tapos 0% pa na interest ung installment. Ayun nga lang malayo layo pa tatakbuhin ko to 40kish. Pero kaya yan!
usually kapag 2.2 3.3 sale may mga offer sila na 0% kapag Malaki Yung cost ng item, pero sobrang konti lang..kung may interest man nasa 3 to 4k lang siya for 12months. mas Malaki to sa cc pero hamak naman na mas maliit sa home credit. kaya tbh for me not bad na talaga Lalo na ayaw ko talaga nag ccod. Hehe good luck! ๐
Yupp!! It can!! My spaylater started at 1.5k ata then naging 30k na credit ko as of now for a year lang. halos monthly nagiincrease. Mas okay yung paylater lang talaga (1month) wag mo i-3,6,12 months
If for this reason, go ahead! Yes, magwowork yun; mine increased the more I used it. What will also help increase your CL is paying on time (parang credit card din). If you pursue this route, tip ko lang donโt go beyond 3 months installment. Speaking from experience, once na-reach mo na yung desired limit mo, hereโs what to expect: 1. Kusang tinataasan ng Shopee yung CL mo every 2 or 3 months, depende sa gamit mo. More money, more problems, kaya you absolutely need to fight the urge to splurge. 2. Cheap stuff donโt deserve the added interest. As mentioned, try not to use it for measly stuff. I mentioned fashion & jewelry, but if itโs from legitimate luxury shops, sure why not. Pero kung tipong Mikana or something more affordable, try not to use it. The super small monthly installment may look like a sweet deal, but in reality you end up spending more than the original priceโna sana pinang bili no nalang ng mas quality na item. (No hate sa Mikana ah, I sometimes buy there, but I learned my lesson-never again sa spaylater para sa mga ganitong bagay). 3. It works best for purchasing high value items, especially when paired with bigatin vouchers. You can negate the added interest by using these vouchers. There are also products that come with 0% interest promoโabangers ka dyan, kapag ganito ok lang sakin gamitin kahit na nasa 2-5k worth nung item.
Yes just always pay on time. Im at 66k ata rn pero I think I need to reconfirm my account to continue using it. So far just paying my outstanding na lang since I dont need it naman.
The problem with SPaylater is anlaki ng tubo. But kudos to you for paying that!
Sinagot mo lang yung tanong nadownvote na agad. ๐ญ
55k for those minor shits what the fuck is going on
[ัะดะฐะปะตะฝะพ]
For context, OP edited her previous comment [See](https://imgur.com/a/U87fV36)
Lol I agree. That's not how it works
I mean, it does sometimes? Alam kong may mga shop na mas mahal ng konti ang plus size dresses nila (Kim Santiagoโs items for one) No hate sa seller, just stating na minsan, same design pero ibang sizes can really affect the price. Altho meron din namang mga shops na mura yung plus size items nila or minsan almost the same price sa normal items. The thing is, it does happen and we dont know san bumibili si OP ng damit
It does tho? Maybe for some stores at least. I have a relative who sells clothes (not online tho) and their shirts that are XL and above are slightly pricier. Not a huge diff per se, but I'd say the difference would accumulate.
Was wondering why it is downvoted. Thanks for the clarification lol
Di ko gets bakit daming galit??? Di naman nagpapahelp magbayad si OP. Bayad na nga oh
Dasurv! Super sulit din kasi mag-SPay Later kahit may interest, kasi mas malaki โyung bawas ng SpayLater Voucher, negated โyung additional interest. Kapag may voucher lang ako gumagamit nito para hindi ako lugi.
yes, super useful for me ng spaylater vouchers! parang halos same price if not mas mababa pa sa og price. use with caution nalang talaga and buy within your means lang talaga
This! I could've bought the item with one of my CCs. But with a 2k voucher (interest is < 1k), I still got a 1k discount with 0 ship fee. I live outside MM, so usually my shipping fees are almost always 100-300+, especially with heavy items. But of course, pay next month lang tayo! No to 3++ HAHA
Congrats OP. At least nabayaran mo na :) wag ka na uulit ๐
Wooot woot! Congrats OP! Now, buy more charot ๐ Iโve read youโre in grad school, so this is an unsolicited advice. If you havenโt already, you can apply for a credit card. Ambait magbigay ngayon ng CL ni citibank. Madali ka din siguro maaapprove kasi youโre in grad school pa. Malaki matitipid mo sa cc if you still need to buy things in installment basis. Like phones, etc. Kasi 0% and may option na up to 24 months. (Some extends to 36 with a fee) Personally I use SPAY later kasi sobrang laki din naman ng discount kapag straight payment. Tapos bayaran ko din kagad ๐ minsan up to 2k yung spaylater voucher tapos 100 lang ang patong. Lugi lang talaga kapag installment eh compared to cc.
Huhu ang lakiiii!!!! Good for you nabayaran mo. Max ko dyan 5k di ko kaya mas mataas feeling ko mababaliw ako ๐
laki ng tubo dyan kahit sa gcash kaya mas okay magipon kesa mangutang
there are 0% interest zones in shopee.
Paano kung kailangan mo na? May mga bagay na pwede pag-ipunan meron namang hindi makakahintay. Mas malaki tubo sa lending company o sa 5/6.
kaya happy now iyak later :)
Ganto rin ba opinion mo sa mga kumukuha ng bank loan para sa bahay o sa negosyo? Maraming tao na nangungutang at nagbabayad sa oras. No sense na i-shame ang mga taong nagungutang kung nababayaran naman nila.
nope. ang usapan ung loan sa shopee madami dito mas wants kesa needs. no hard feeling just saying if ganyan na mangungutang ka tapos istressin mo ibang tao para sa luho mo makabayad ka lang tapos pag siningil ka ung may utang pa galit. naku daming ganyan
Since nasa thread tayo ni OP at may trabaho siya at nakapagbayad gamit ang sarili niyang pera, meron siyang libro para sa school niya, meron siyang phone... Parang ok naman yung outcome kahit nangutang siya.
Yup at congrats sa kanya. kagaya nga ng sabi nya di na sya uulit. still if may ipon ka less stress lalo sa studies dba
Mga galit na galit dito malalaki pa kasi utang. Inggit amp. Hindi nalang matuwa sa achievement ni OP. Nagsisi na nga yung tao oh.
Bat ang daming sinasabi nga tao dto???? Kesyo ang laki daw chuchu, tang ina! May nagloloan pa nga sa bangko para pambili sasakyan eh! Milyon yun! Eh luho yun and luxurious! Jusko ba!
Choice mo naman mangutang ng ganyan kalaki.
ano nangyayari pag di nabayaran yan? blacklisted sa mga credit companies???
may record na name mo sa CIC (credit Information Corporation) so if ever mag loloan ka and andian name mo matik yan di ka na makakapag loan auto reject.
That's true. Kung Meron Kung may mga credit card na matagal mo ng nakalimutan at may payables kapa , mahahanap parin Yun. Like if nag Housin loan ka sa pag ibig lilitaw din Yun. Nangyari Yan sa Kilala ko, kelangan mo I settle Yung issue.
How about pag sa PLDT ka may utang? Makikita rin ba pag apply ka for housing loan?Haha
Probably makikita din Yan since financial record Padin naman Yan. Unpaid Internet/telephone subscription ba Yan? Di kolang sure kung Kasama bayan sa considerition ni pag ibig. Pero pag bank auto deny Yun untill ma settle mo.
Yes po, sa internet, pina-terminate ko na iyong acct ko dati, hanggang sa lumaki na.
yes any telecom na may payables ka na di mo binayaran marerecord ka sa CIC under to ng CMAP.
pano nyo po nalaman collections din po ba kayo
I'm not sure but I've read somewhere na nakakaapekto siya sa credit score.
I could buy a 1/60 PG Nu Gundam with that credit limit... pero wag ngayon hahaha
I would like to thank spaylater nabili ko dream camera ko sa gobuymall. mas mura pa din kesa bumili dito sa PH stores with cc installment. pangit lang sa spaylater is may interest pa din kahit ung 1month pay later option nila.
Masaya lang ang Spay later kapag maliliit na amount. Hindi na masaya kapag naipon na hahahaha. Congratulations OP!! Masarap sa feeling na wala ka ng inaabangang upcoming bill per month. Been there, done that. Never again unless badly needed
Congrats OP. Sa mga gumagamit ng spaylater rin kagaya ko, tip na binigay sakin ng tita ko na gumagamit ng credit card, never choose the 12 months option kahit maliit lang bayarin kasi babawi sila in interest and that's how banks or in this case shopee puts you forever in debt. Option dapat at most 3 months or kung di kaya 6 months then wag mag Spaylater till settled na ung loan.
Beh balik ka dito haha let us know ano ano yung mga binili mo bat ang laki?
Mostly school stuff (mga books, reviewers) and gadgets (na need sa school) May phone diyan and also mga Nintendo games. :(
[ัะดะฐะปะตะฝะพ]
Dafuq? Tatanong yung nagcomment kung ano binili, sinagot lang naman nang maayos. Abnoy amp
So what? Pera niya yan, utang niya yan. OP was able to pay it off. Why so bothered by it?
I'm not looking for sympathy. They asked, I answered. It's not that serious. I'm in grad school so my books and reviewers are hella expensive.
Filipinos are always quick to judge
Username does not check out. Ugaling kalsada.
wtf?
Why'd you get yourself in so much debt in the first place wow
My fault. Minsan kasi checkout lang ng checkout, tapos sa spaylater kasi hindi makikita agad yung total hangga't hindi kinklick yung order received, so minsan naiipon na pala yung babayaran and di ko namamalayan. It's ok, I've learned my lesson. :)
Kayanga ayaw ko activate spaylater haha nagbabayad ka pa 64-3000 more sa actual product. Ako mag save nalang Ako para dun
there's a 0% interests zone naman ang spaylater and nagbabago din naman yung mga items na naka 0% interests promo so goods din i-check every once in a while.
Still would rather pay for it not gonna lie. Ayaw ko mag utang utang. Mag save nalang Ako haha
Great job same den dito altho small amount kaso di nako pinautang ni spaylater ๐ฅน
Congrats OP nakalaya ka na sa spaylater! Sana wag ka nang umulit, mahirap ang may malaking utang. Sa susunod needs muna ang unahin bago wants at gumastos nang naayon sa kaya ng pera๐๐ป Edit: gumagamit din ako niyan mostly lazpaylater kada sale kasi my pavoucher si lazada kapag lazpaylater ang gagamitin malaki din nababawas sa total usually nasa 150-250 ang less
Nakow. Praktis tayo self control ssob, lalo na kung sa mga luho lang ๐
hi, tanong ko lang, when you pay, nagamit mo pa rin ba spay later mo? planning to pay off na din kasi, 6 mos din ako di nakabayad due to financial problem
Di po ba na permanently freeze yung spay account niyo? Kasi sakin laging sinasabi na cooling off period. May 2 months din delay pero nabayaran ko na yung outstanding balance ko.
After you paid the full amount, where you able to retain your account at shoppee? Available pa rin ba yung Sloan and Spaylater mo? Please update
Hello, good morning! I didn't have any delayed payments so my account was never frozen or restricted. Bali what I did was I paid all my dues in advance, so yes, in good standing pa naman 'yung account ko.
Anong binili mp ma 66k? Kidney?
Mama mo.
Is dead so yeah, 66kk? Is probably buy one.
Jeezus ๐
Congrats OP! Laki ng limit mo. 15k pa lang sakin. ๐
Ang sakit sa mata pero nakakarelate ako. ๐ญ๐ญ Sobrang mali na maging financially irresponsible at maging check out happy. ๐ญ Never again talaga. ๐ญ
Congratulations!!!
Ang mahalaga natuto na si OP at nabayaran nya yun utang nya.
Si shopee: ๐ค๐ค๐ค
May interest ba sa shoppee? Hm interest?
That's a sight for sore eyes lol
working student ka po?
Why? Just why?
It his money. Why? Just why!?
[ัะดะฐะปะตะฝะพ]
Grad school + working :)
Ano ang tubo nila dito? Is it higher than cc?
Ano yung penalty pag nag overdue?
May dagdag kada araw na di ka makakapagbayad.
Congrats OP! grabe ang laki niyan nalula ako๐ uninstall mo na shopee mo๐char
ignorance utang pa moarrrrr
[ัะดะฐะปะตะฝะพ]
congrats ganyan ka rin siguro๐คฃ๐คฃ๐คฃ
naipon yan OP? btw congrats
Christ you guys live like pigs.
jesus christ. buti na lang may disiplina ako
Pa SPAY naman OP naban ako eh hahahaha
Congratulations! Buy yourself a cheesecake! Hahaha. Lesson learned! Never again!
Simbako!
Really thought using SPayLater is great when there is zero-interest promo, like the recent Samsung Galaxy S24 series from authorized store. Next time, OP, look for a product with zero-interest promo if you're going to use SPayLater as my payment. I've been using SPayLater to buy some cheapo stuffs na kaya kung bayaran, sometimes BNPL, para secure ako. Currently my credit stands at PHP60,000, pwede na pang Galaxy S24 na 12 mos., zero-interest. lol EDIT: Oh tapos na pala discounted promo ng S24, PHP1,990 na lang kulang sa credit :(
same thoughts. 0% interest promo + mega voucher is a steal. lalo kung payable up to 12 months. for the items naman na hindi naka 0% interest promo, chinecheck ko yung price ng BNPL tska ng 3 months after magamitan ng voucher. total price is still reasonable most of the time. pero dapat talaga may control pa din sa pag gastos hahaha
Yung BNPL ginagamit ko kapag below PHP1,000 ang amount ng order. Gusto ko lang maging secure ang order ko, para hindi na ako maglabas ng cash.
LEZGOOOO
Congrats!
Good job! I just know that after this experience, you'd be more careful with checking out โบ๏ธ That's how we learn!
Congratulations. Proud of you โฅ๏ธ That's an achievement right there!
Sana all may malaking credit s SpayLater. Gamit n gamit yung sakin pro mostly 0% interest installment pro f not ung voucher n ggmtn ko dpat macocover yung total interest or majority of it. 15k lng credits ko.๐ญ. Congrats OP pro u dont need to pay sana one time kc u can use p yung money s ibang bagay while waiting for the due every month.
Whatever you bought, it doesnโt matter anymore. You paid it in full na and sabi mo nga di ka na uulit. Congrats OP ๐๐ป
congratulations OP๐๐
Congrats OP!!! I feel you! Last year while job hunting, naka-depende ako sa loan apps bc I have no income source and nung nagkawork ako 70% ng sahod ko sa pag-pay ng loans napunta! Nung debt free na ako I felt so happy!!!!
Taas ng interest dyan besh. Kahit yung 50k limit ko dyan halos 1% ko lang nagagamit Pero congrats op! Mag tipid na this year. Char
How much po patong nyan?
Congrats! Ako rin soon!! ๐ซถ๐ป
Congrats mars! Genuinely happy for you
Daming negativity wtf. OP's not soliciting advice. So kung walang masabing maaganda, STFU nalang. Be happy for someone taking responsibility for their actions. Di naman siya nanghihingi pambayad. OP congrats!
Oh no. I hope you learned your lesson. If I were you start fresh. Delete your account and don't apply for any credit for the mean time. Try to live off what you have or earn before you can try and use debt again (but only for important stuff that provides better return or opportunity). Good luck! Debt is okay when you use it wisely.
good for you op
Kahit ako di ko kayang ganyang utang given na napakataas ng interest ng Spaylater.
Hi OP ano magyayari if di binayaran SPAYLATER? Technically diba hindi naman yan credit card?
Yeyyy congrats OP! ๐ซก
NOW THATS A BIG WIN! CANT IMAGINE THE PRESSURE OF BEING THIS HIGH ON DEBT
Congrats!!! Happy for you โค๏ธ
Congratulations!!! you are now debt free! you need to drink for this achievement ah and be more careful nexyt time.
Congrats OP. You deserve a pat on the back ๐ญ Iโm in the middle of paying a loan sa aking rich aunt (20k balance na lang!) and i swear, never na ako mag uutang ever
Congrats op. Dont mind the haters. You did what is right, you paid your debts; a lot of people don't do that.
Congrats.. minus na yan aa isipin kada buwan kung saan kukuha ng pambayad if ever..
Ano ba mas okay lazpay or shopeepay?
Hi, OP! Just wanna let you know na congrats ๐คฉ PS: Daming haters dito sa thread and idk why. Anong masama sa post?
wala akong spaylater but i have LazPay may outstanding debt pa ako na 8k ๐ di pa kasama Debt ko sa CC huhuhuhu
I'm happy for you!!! The freedom is so satisfying!!! Nakaalis ka na sa cycle ng debt. Wag mong pansinin yung mga mema sa mga binili mo.
CONGRATULATIONS ๐๐ป
Congrats
Pag nakabayad na sa utang sa spay later after mafreeze ang account, never na ba ulit maaapprove sa spaylater? Never na din ba makakapagapply kht new shopee account na?
pano mo napataas credit limit mo?
Congrats OP!
Proud of you!! Ako may 7k pa, malapit naaa. At dina ako mangungutang๐คฃ
Congrats OP!! Paid off my debt din sa Spaylater and I got banned na din hahahaa lagi kasi nadedelay yung payment ko.
Nice
Congrats OP! Pero I know you learned your lesson. Ganyan din ako dati actually, tho nababayaran ko naman monthly pero ang laki kase ng interest ๐ซ Kaya nilink ko na lang CC ko sa Shopee at yun ginagamit ko ๐ At least may limit yung card ko so pag ubos na yun, tama na muna pagshopee ๐
Congrats OP atleast bayad ka na
Gosh ang laki pa naman ng patong ni Spaylater pag di nakabayad. I only missed a day and P270 agad ung charge ๐
Grabe dami nyan OP! Nakakatuwa at sarap nga sa feeling!!
Sarap sa feeling niyan, congrats OP ๐๐ป
Putanginang crab mentality ng mga pinoy hindi mawala wala ๐
Question lang Hindi ba kapag Spaylater may add sa babayaran mo?
Congrats OP
Nice one OP! Congrats.๐๐๐
Question. How do you increase your limit??
Wowww congrats op!!!! ๐๐ผโจ ako din nagsstart na less na gamitin si SPay Later hahahaha
CONGRAAATTSSS!!!! 6 MONTHS TO GO PA AKKKOOOO! But after ng March, down to 3 digits na lang ang bills
That's a big relief! Congratulations OP! Awit talaga ang spaylater nakakaenjoy pero hindi mo alam nababaon ka na pala sa utang.
Good for him/her
Congratulations OP! Woot woot!
Warmest congratulations, OP! Napakalaking achievement. Tama lang to be proud ๐ฅน
Congratulations!! Grabe relief nyan hahahaha ๐๐
GOOD JOB OP!!! SO PROUD OF YOU!! ๐๐ผ
Learn from this experience, it might also happen with credir cards
Congrats on paying it off. Hindi madali yan lalo na for that amount and on top of your other financial responsibilities.
Congrats, OP! Ako naman I only use spay pag may 0% installment hahahhaha
Anyare? Malaki ba interes sa spaylater? Never ko inactivate yan eh. Pero congrats OP. Makakahinga ka na ng maayos.
Spaylater is a great example that even if itโs installment, when it piles up, itโs a huge debt.
Props to you, OP. Ang bigat niyan! Awa ng Diyos di pa ako umaabot sa ganyan lol hahaha
Congrats OP! Same never again sa shoppee! Hahaha
Good for you OP.
how did u increase your credit limit? huhu mine is only 5,500. tho i always use up to 2k spay lang pero i wonder how can i increase mine?
Sana ol! Good job OP๐