BNPL in Malaysia: Freedom or Trap? In this video we unpack the real game behind BNPL, why it exploded here, the “0% = future money” illusion, and the mindset to keep the perks without the pain. You’ll learn the 10% future-income rule, how auto-deduct can build discipline, why your BNPL record could become your credit résumé, and how the Consumer Credit Bill is a seatbelt (not a crackdown). If you’ve ever tapped “Pay Later”, watch this now before your future self pays for today’s swipe, then tell us your biggest BNPL win or horror story. Will future you thank you, or curse you?Big thanks to our sponsor, Atome, helping you use BNPL the smart way, without falling into debt traps. Click the link below and use the promo code at checkout for exclusive deals!✨ RM50 off with a minimum spend of RM125👉 https://finlit.my/atomefinlit50 👉 Promo code: FINLIT50--Come say Hi to us at, 🌐 Website: https://www.mrmoneytv.com/​ 📘 Facebook: / mrmoneytv​ 🐦Twitter: / https://x.com/mrmoneytvchnl?s=21📱 Instagram: https://www.instagram.com/mrmoneytv ​ 🖊️ LinkedIn: / mr-money-tv 🤳 TikTok: @mrmoneytvchannel 🎙️ Podcast:https://open.spotify.com/show/1EhftKYdbpC0C2VnTJOO2K?si=NDZmt_i-RiWSS8wHIFOdnQFor business & job enquiries, do contact us at,✉️ mrmoney@mrmoneytv.com#buynowpaylater #atome #smartspending #budgetbetter Disclaimer:This is not investment advice. All content produced is solely for education and entertainment purposes only. Please consult your financial adviser before making any investment decision.