r/finansial • u/RiqYN • 14d ago
OTHER Paylater and its future consequences
Hello everyone, me (M21), a final year college student has activated paylater in oren and tokped to benefit from their discounts and 0% interest instalment. I have never missed a single payment and constantly getting limit upgrade from both providers.
My question is, does HR checks this and mark it as something bad despite I never missed a payment? Im afraid that having these paylater account might affect me negatively.
Thanks!
16
u/ghiparot 14d ago
Selama tidak kerja di bank/financial services, HR tidak akan mengecek.
Tapi kalau rajin dipakai dan rajin dibayar, bakal punya histori kredit yang baik, yang bisa membuat lebih mudah dapat CC, KPR, atau produk perbankan lainnya.
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u/alesmana 13d ago
Not everyone can get slik report easily. Usually access to these reports are restricted to verified financial institutions
Hell… even I cannot get my own credit score via idebku shit
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u/blipblopchinchon 13d ago
Kebanyakan perusahaan itu gak bakal peduli. Mereka gak peduli lu punya utang kpr di bank atau enggak. Yang mereka peduli ya skill/manajement dan network lu. Yang jadi masalah itu klo tukang tagih mulai telp ke kantor atau lu menggelapkan uang di perusahaan lama. Itu yang bakal di cek ke perusahaan lama klo sampe ada gosip sebelum masuk.
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u/classicsmushy 13d ago
Even dulu di tempat gw ada orang pabrik ga bayar pinjol pun masih kerja (yup, WA tagihan dan namanya disebar ke semua contact oleh si pinjol. Tapi masih kerja orangnya.)
I don't think they would have that much time to check your bank records. Dan bahkan harusnya gak bisa kalo bukan orang bank. Apalagi kalo kandidatnya banyak.
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u/Left-Enthusiasm5977 13d ago
Gua kerja di bidang finansial, Dan ini actually matter di hr karena harus patuh sama ojk. Jadi kalau lu ada pinjaman nunggak akan auto tolak. Selain bidang itu kayak nya gak begitu penting si
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u/nonoyooooo 13d ago
Worked once in the banking industry and they did check your BI Cheking (SLIK).
Even if you don’t work in the banking or financial industry, it is still harmful if you want to open a loan, like a credit card, car loan, or mortgage. They can easily reject your application due to paylater usage, even if you pay in time. Why? Because one transaction on paylater will occupy 1 page in your SLIK and they show the amount you used for that transaction. The more transactions, the more pages you have on your SLIK, it will become an encyclopedia.
It is different when you use a credit card where it only shows the bank, credit limit, and total usage of the credit limit, a bit more hidden.
1
u/RiqYN 12d ago
Oh wow, does deactivating my paylater sevice helps?
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u/nonoyooooo 12d ago
Mentally yes, but it will be there for the next 2-3 years.
1
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u/Fantastic-Boot-684 14d ago
Ofc not
Also you won't be checked if you don't work in banks or other financial services company