This Is An Ampuh Way To Prevent Failing To Pay PayLater Bills

Photo: Doc. Antara

The trend of payments from time to time continues to grow, the latest trend of "buying now, paying later" or known as paylater is now rising, especially for people who like to shop online.

Even so, the ease of shopping through this paylater is sometimes not accompanied by the understanding and wise attitude of its users in utilizing the payment method. Not a few people experience bills that swell because they are due and make pockets burst by users.

Reflecting on this, there are several tips that can be done by the community in order to prevent the galbay alias failing to pay the paylater bill and paying it on time.

First, make sure that the paylater product used provides transparent information, including information related to interest counting and installment nominal. Furthermore, the public must be able to limit the use of paylaters according to their ability to pay.

If you use installments as a bill payment method, select the payment period according to the financial cash flow. For example, according to the paylater solution provided by Shopee, namely SPayLater which provides several installment period options starting from once, six times, 12 times, even 24 times.

In addition, don't forget to study the terms and conditions that apply so that you better understand the paylater payment method.

In order to be more optimal, don't forget to periodically check the payment period and the due date of the paylater service used, of course, it can provide certainty so that you don't forget and are late in paying bills.

For SPayLater, Shopee presents many access options to pay bills starting from payments via ShopeePay, Indomaret/i.saku, Alfamart, Alfamidi, Dan+Dan and Virtual Account which can be adjusted to the convenience of users.

Finally, make sure to only use the paylater limit for private transactions. Don't lend your personal paylater service to other people, because if they don't pay, of course you will also be in trouble.

Keep in mind, SPayLater is also like other financial services that are registered and supervised by the Financial Services Authority (OJK). So, don't be late in paying bills, let alone failing to pay bills because it can have an impact on the history and credit scores of users recorded by the OJK and affect the application for loans in the future.

Not only preparing yourself to pay bills, but extra preparation and steps must also be prepared considering cyber crime is rife.

If it turns out that there is an odd activity occurring on a paylater account, for example someone is trying to log into a paylater account or it turns out that you lost your cellphone. Here are some steps that need to be done, especially for SPaylater users:

If you receive a warning about an attempt to log into a suspicious account, then you need to contact the SPayLater Customer Service because this is an attempt to retrieve your SPayLater account by the perpetrator of the crime.

Don't panic and stay calm because to ensure account security, Shopee will send a notification in an application informing users of all incoming activities from Shopee accounts originating from unknown devices or locations.

Meanwhile, in the case of losing gadgets connected to the Shopee application, you can also immediately report them to Shopee Customer Service so that your account can be secured and not misused.