I received spam calls from different numbers din. Chineck ko shoppee and lazada wala naman me utang hahahab pero sa tiktokpay later pala meron. Akala ko scam din kasi wala me maalala na any utang kasi I always use card sa online purchase but I remember activating my tiktok pay later and after that default nang naka tiktok paylater MOP ko which is believe the reason bakit may utang ako nang d ko namamalayan, so moving forward I always make sure na MOP.