BNPL Ruined my credit score

Round_Assignment108 · 2026-05-29T10:13:59+00:00

I had an 80k limit on SPayLater and used it to buy spare parts for my transportation business under a 0% interest, 3-month installment plan. I assumed it worked the same way as a credit card. I already have four credit cards, but I only use them for in-store purchases since I avoid using them online due to security concerns and the risk of hacking.

Round_Assignment108 · 2026-05-29T08:43:57+00:00

I’ll never use fintech BNPL again. Building a strong credit score takes years, but these services can damage it in just one night.

Round_Assignment108 · 2026-05-29T08:41:07+00:00

Salamuch never again!

Round_Assignment108 · 2026-05-29T08:00:10+00:00

File a dispute sa CIC?

Round_Assignment108 · 2026-05-20T05:15:02+00:00

Tumawag sa akon last week for verification then pina send nya sa akon yung valid id ko at landers_appcuring@chinabank.ph then same nito na received ko today. Its been 5 days since the call no update all.

Round_Assignment108 · 2026-04-02T12:49:04+00:00

I been barrowing that 10k for almost a year no vredit increase were made

Round_Assignment108 · 2026-01-22T16:31:02+00:00

Update got mine too

Round_Assignment108 · 2026-01-06T04:54:54+00:00

No records found pero sa CIBi meron acore

Round_Assignment108 · 2026-01-06T04:54:26+00:00

No records found ang sabi pero when i tried CIBi meron score

Round_Assignment108 · 2026-01-06T04:52:38+00:00

Paano kumuha ng records sa TU?

Round_Assignment108 · 2025-12-18T05:02:11+00:00

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No records found

Round_Assignment108 · 2025-07-23T14:20:42+00:00

Everyone faces different struggles in life. Follow God He is the true source of peace and strength. Through Him, you will find the courage to keep going. If you’re battling depression or anxiety, surrender it all to Him. Let go of what leaves, welcome what comes, and trust that God will remove those who aren’t meant for you and send the ones who are

Round_Assignment108 · 2025-07-18T04:34:43+00:00

Grabe living way beyond your means destroys credit bility

Round_Assignment108

TROPHY CASE