unpopular opinion: SPayLater sangat membantu, IF you know how to use it wisely and pay on time. "Baik apply credit card, dapat cashback" is a valid argument but for some reason I still just prefer to have BNPL as my commitment rather than CC. Sebab aku muda lagi kot 😭 So far pakai SPayLater for appliances, gadgets, at one point untuk order Shopee Food sekali 😭😭😭 but since aku selalu dapat cover balik dengan emceeing job kalau ada lebih selalu je bayar lumpsuk 2-3 months punya bill