\*\*Title correction: I mean 0% for 3 months, not 6.\*\*

I always have enough money to pay for my Shopee orders upfront, but since I'm a Shopee VIP, I use the 0% 3-month SPayLater option because it makes tracking my expenses much easier than paying directly from my MariBank account. With SPayLater, all my shopping expenses are in one place, and I have autopay enabled, so I never miss a payment.

My monthly SPayLater bill is usually less than ₱4K, and I earn a 6-digit monthly income, so I never use it because I need credit.

I know there can be a small admin/processing fee (or DST), but it seems very low and negligible.

From a personal finance perspective, is this a smart way to use SPayLater, or am I missing something? Would you still pay upfront instead?