{"id":17486,"date":"2025-08-04T06:52:17","date_gmt":"2025-08-03T22:52:17","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/higher-than-my-annual-salary-msian-racks-up-over-rm82k-in-spaylater-bills-netizens-left-stunned.html"},"modified":"2026-03-26T15:59:24","modified_gmt":"2026-03-26T07:59:24","slug":"higher-than-my-annual-salary-msian-racks-up-over-rm82k-in-spaylater-bills-netizens-left-stunned","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/higher-than-my-annual-salary-msian-racks-up-over-rm82k-in-spaylater-bills-netizens-left-stunned.html","title":{"rendered":"\u201cHigher than my annual salary!\u201d \u2013 M\u2019sian Racks Up Over RM82k in SPayLater Bills, Netizens Left Stunned"},"content":{"rendered":"\n<p style=\"text-align: center;\"><span style=\"font-size: 10px; font-style: italic;\">(Source: <a href=\"https:\/\/www.threads.com\/@soullynt\/post\/DMvCkLQvy2x?xmt=AQF0wOQzzjD8opkmhGagdXHwdwlsk1DCJCKVXZYBUVaabg\">Threads<\/a> | 123rf [for illustration purposes])<\/span><\/p>\n<!--more--><p>A recent <a href=\"https:\/\/www.threads.com\/@soullynt\/post\/DMvCkLQvy2x?xmt=AQF0wOQzzjD8opkmhGagdXHwdwlsk1DCJCKVXZYBUVaabg\"><span>Threads<\/span><\/a> post has left Malaysians stunned after the original poster shared someone\u2019s staggering SPayLater bill history. The single screenshot shared on social media set Malaysian netizens abuzz!<\/p>\n<p style=\"padding-left: 40px;\">\u201cCame across someone sharing their monthly SPayLater instalment bills. Hey, is this for a house?!\u201d<\/p>\n<p style=\"font-size: 18px;\"><span style=\"color: #000000;\">The screenshot showed that between May and December 2024, the person accumulated a total of <\/span><span style=\"font-size: 20px;\"><strong><span style=\"color: #000000;\">RM82,739.32<\/span><\/strong><\/span><span style=\"color: #000000;\"> in SPayLater bills, with several months surpassing RM14,000.<\/span><\/p>\n<p style=\"font-size: 18px;\"><span style=\"color: #000000;\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/Spaylater.jpg?resize=640%2C1110&#038;ssl=1\" width=\"640\" height=\"1110\" loading=\"lazy\" alt=\"Spaylater\" style=\"height: auto; max-width: 100%; width: 1179px;\"><br><\/span><\/p>\n<p style=\"font-size: 18px;\"><span style=\"color: #000000; font-size: 18px;\"><span style=\"color: #000000;\">The jaw\u2011dropping figures quickly went viral, with netizens flooding the comments in disbelief. Many questioned how anyone could rack up such an amount in just 8 months. Some wondered if the bills were tied to <\/span><strong><span style=\"color: #000000;\">business expenses or high\u2011end luxury purchases<\/span><\/strong><span style=\"color: #000000;\">, while others joked that the figure was higher than their annual salary. For many, the thought of owing more than RM14,000 in a single month felt unimaginable.<\/span><\/span><\/p>\n<p style=\"font-size: 18px;\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/SPL%201.png?resize=640%2C405&#038;ssl=1\" width=\"640\" height=\"405\" loading=\"lazy\" alt=\"SPL 1\" style=\"height: auto; max-width: 100%; width: 927px;\"><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-size: 18px;\">\u201cRM13k huh? I have an RM170 limit and I feel heavy-hearted to utilise it.\u201d<\/span><\/p>\n<p style=\"font-size: 18px; padding-left: 40px;\"><span style=\"color: #000000; font-size: 18px;\"><span style=\"color: #000000;\">\u201cSpayLater is like the credit card of today. Back then we used to just swipe away, but now with all these purchases, you don\u2019t even realise how much you\u2019ve spent. The last time I used SpayLater was a few years ago, then I stopped because it felt burdensome. Even though it was less than RM1k each month, if you pay late the amount would increase, so I decided to stop altogether.\u201d<br><br>\u201cMy amount was only RM50 and I was feeling burdened.\u201d<\/span><\/span><\/p>\n<p style=\"font-size: 18px;\"><span style=\"color: #000000; font-size: 18px;\"><span style=\"color: #000000;\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/SPL%202.png?resize=640%2C244&#038;ssl=1\" width=\"640\" height=\"244\" loading=\"lazy\" alt=\"SPL 2\" style=\"height: auto; max-width: 100%; width: 931px;\"><br><\/span><\/span><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-size: 18px;\">\u201cI\u2019m already stressed out paying close to RM100\u201d<\/span><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-size: 18px;\">\u201cI\u2019m the type who\u2019s spendthrift. At one point, my bill was RM600 a month. In the end, I just deactivated SpayLater completely because I was using it for everything.\u201d<\/span><\/p>\n<h2 style=\"font-weight: bold;\"><span style=\"font-size: 24px;\"><span style=\"color: #000000;\">\u201cAnd I thought mine was bad\u201d \u2013 A netizen shared his monthly bill which was merely a fraction!<\/span><\/span><span style=\"font-size: 18px;\"><span style=\"color: #000000;\"><\/span><\/span><\/h2>\n<p style=\"font-weight: normal;\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/SPL%203.png?resize=595%2C674&#038;ssl=1\" width=\"595\" height=\"674\" loading=\"lazy\" alt=\"SPL 3\" style=\"height: auto; max-width: 100%; width: 595px;\"><\/p>\n<p style=\"font-weight: normal;\"><span style=\"font-size: 18px;\"><span style=\"color: #000000;\">SPayLater, a \u201cBuy Now, Pay Later\u201d service offered on Shopee, allows users to purchase items and pay through instalments. While convenient, the viral post has reignited debate over how easily instalment plans can spiral out of control when not carefully managed.<\/span><\/span><\/p>\n<p style=\"font-weight: normal;\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/SPL%204.png?resize=640%2C146&#038;ssl=1\" width=\"640\" height=\"146\" loading=\"lazy\" alt=\"SPL 4\" style=\"height: auto; max-width: 100%; width: 914px;\"><\/p>\n<p style=\"font-weight: normal; padding-left: 40px;\"><span style=\"font-size: 18px;\"><span style=\"color: #000000;\">\u201cHeyyyy I thought mine was the highest at RM1k a month, but this person went straight to RM10k\u2026 no wonder bankers feel uneasy about Shopee, they probably don\u2019t even get a taste of Malaysians\u2019 money anymore.\u201d<\/span><\/span><\/p>\n<p style=\"font-weight: normal;\"><span style=\"font-size: 18px;\"><span style=\"color: #000000;\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/SPL%205.png?resize=640%2C227&#038;ssl=1\" width=\"640\" height=\"227\" loading=\"lazy\" alt=\"SPL 5\" style=\"height: auto; max-width: 100%; width: 860px;\"><br><\/span><\/span><\/p>\n<p style=\"padding-left: 40px;\">\u201cI thought this was a Shopee affiliate\u2019s salary. Was just about to congratulate them\u201d.&nbsp;<\/p>\n<p>To which the original poster responded saying,<\/p>\n<p style=\"padding-left: 40px;\">\u201cI was shocked as well. I\u2019m wondering how much is their limit\u201d.<\/p>\n<h2><strong>One netizen gets where this exorbitant amount is coming from<\/strong><\/h2>\n<p><strong><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/SPL%206.png?resize=640%2C120&#038;ssl=1\" width=\"640\" height=\"120\" loading=\"lazy\" alt=\"SPL 6\" style=\"height: auto; max-width: 100%; width: 907px;\"><\/strong><\/p>\n<p style=\"font-weight: normal; font-size: 18px; padding-left: 40px;\"><span style=\"color: #000000;\">\u201cI don\u2019t understand why people are asking how will the person pay for it. They know they can afford to pay the amount owing for that particular month, and that is why they are owing that much. It is as long as they pay on time. Same goes for any kind of debt.\u201d<\/span><\/p>\n<p style=\"font-size: 18px;\"><span style=\"color: #000000;\"><span style=\"font-size: 11px; color: #000000;\">&nbsp;<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Source: Threads | 123rf [for illustration purposes])<\/p>\n","protected":false},"author":268230141,"featured_media":190,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[412],"tags":[],"class_list":["post-17486","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle-finance"],"yoast_head":"<!-- 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