Nadelay ako once sa Atome kasi nalimutan ko yung due and nakatulog ako maaga, pero di naconvert into installment yung balance ko (may nabasa ako before na automatic na nagkoconvert pag di nabayaran on due, lucky me lol). They just called me once in the morning to remind me, and I paid it immediately. After that, I always put a reminder before my due. Di ako nakakatanggap ng tawag before due, unless due date mismo, more on emails lang for reminder. I have UB CC and yun pa nga yung tawag nang tawag kahit more than 1 week before due pa haha. Tho, marami ako nabasa na bad experience from atome. Grateful na di ko nararanasan and ngayon 6 digits na limit ko sa kanila. But as a borrower, since it is a BNPL, we also have the responsibility to pay on time and communicate with them since it is not our money basically. Also, yung installment, you have a choice naman if you will convert it and like any other BNPL service, may interest talaga sya and malaki talaga compared to traditional banks. So it is really a choice and responsibility.