Whopping ₱102,150.31 total for this year. Ang gastos ko pala. Wag tularan.

Biggest purchase was my MBA M4 at ₱50k

Share nyo nga sa inyo? Whats your biggest purchase ?

Edit: ANG DAMI PALANG MAGASTOS DITO , paki add na din dyan yung individual nating utang, ₱169,000 each.
(Kaya bumoto ng tama!)

Kung titingnan nyo mga comments, it gets worse. 😂

Hi, everyone. Just want an advice. Nagpa-order ako ng tv thru my friend's shopee account kasi may spaylater sya. Ang problema, walang laman na tv yung dumating na box. Nag ask ang friend ko ng refund kaso ang sabi ng seller pinack nila ang tv at ang courier(flash express) ang may fault. Twice ng kinancel ni shopee ang refund request.

I have a complete unboxing video submitted.

Shopee said evidence was not submitted on time even though nasubmit naman on time. Hindi na daw mareopen ng system yung refund button and ang gawin daw ay ask the seller to pay outside shopee. Seller is not responding yet.

Thinking of emailing the DTI with regards to this matter as well. Sabi ni friend, i deactivate na lang daw niya ang shopee account niya.

It's really hard to keep track of money when using Shopee Pay Later, sometimes I'm not sure if I might accidentally double the amount I’m paying if I pay my bills early before the due date :( I was shocked at how much I had to pay this August 15. Haaays or maybe I’m just a Shopeeholic now. 😭

Deserve

TL;DR:

Shopee banned my account after I filed a refund request for a missing item worth ₱35,000. I paid around ₱26,000 through ShopeePay and the remaining ₱9,000 through SPayLater. Instead of receiving the iPad I ordered, I received a fraudulent parcel with different contents. I immediately reported the issue and requested a refund, but my account was later suspended/flagged despite having done nothing wrong.

Shopee has now informed me that they will not lift the suspension, which means I cannot properly access my account while my case is still unresolved. To make matters worse, I’m potentially losing the ₱26,000 I paid in cash and could still be left with nearly ₱9,000–₱10,000 in SPayLater debt for an item I never received.

I’ve already reported the matter to DTI, but so far I haven’t gotten any meaningful resolution. Has anyone experienced something similar? Are there other agencies, consumer protection groups, legal aid services, or online resources in the Philippines that can help with a case like this? Any advice would be greatly appreciated.

Naikwento lang sakin ng pinsan ko na yung pinsan niya nag cashout lahat ng sloan niya amounting 40K+ then umorder ng mga pyesa ng motor, ganun din ginawa niya sa spaylater. Sabi niya umabot din ng 100K in total ung items. Then once na received na ung item inuninstall niya yung shopee and inalis na rin yung sim. Nagulat talaga ako sa kwento niya kasi grabeng panglalamang naman yung ganun. Paano mahahabol ni shopee yung nga ganitong scenario?

Naiinis talaga ako sa mga taong tinatakbuhan ang mga utang. Ako kakabayad ko lng ng 30K+ na spaylater although lumampas sa due date at nagkaroon ng penalty pero pinilit ko talagang bayaran.

I tried that spinning wheel thing, expecting to receive cents as per usual. Then it landed on 5000 coins. It's expiring on February 2026. How do I fully maximize it? It would be great if it's withdrawable nyahahah 😭

I'm a student who only earns a small income, so I couldn't possibly redeem it all in time 🥀

Idea 1: let friends and family order thru my acc Idea 2: ??

May employee ako na pinagkatiwalaan ko ng sobra. Inallow ko siya na mag spaylater para makabili ng phone na magagamit niya sa work dahil more on customer inquiries ang business. (Number ng company pero yung loan is sa kanya nakapangalan.) Sabi nya sakin is nasa 6k+ yun then 12mos installment so ok naman ako dun. After a few month, may mga nangyari na dumating sa point na inamin nya sakin na nagnanakaw sila ng isa ko pang empleyado. Yung ibang sales, kinukupit at pinaghahatian nila. Kinabahan nako, pag check ko sa spaylater, di lang pala yung cp ang ni-loan ng mga hay*p. Iba’t-ibang personal items gaya ng dog food, camping table, kaldero, gadgets at iba pa. Since umutang sila nung May this year, once lang sila nagbayad—nagkapatong patong na ang interes at umabot sa 26k+ ang utang. Nakakasuka pa sa ginawa nila is madalas silang magrefund ng items, sasabihin na di kumpleto kahit kumpleto nilang natanggap ang item.

Ngayon, may mga texts na natatanggap na nasa loan servicing companies na yung utang nila. Everyday may tumatawag at nagtetext sa company phone namin. May tatawag pero walang sumasagot sa kabilang line. Sort of harassment na. Matagal na naming number yun and madali i search yun sa fb. Worry ko ngayon is baka dumating sa point na tadtarin na ng comments yung page namin dahil sa kagagwan nila.

PS. Nagka-pulisan na kami, and binigyan ko sila hanggang katapusan ng Nov para i settle. Kasi pag di na settle is mag file ako ng criminal case.

Pero, pano if di mabayaran? Pano mapapatigil tong loan servicing company na wag na sa number namin mangulit?

Makakahinga na siguro ako hahaha natapos ko din barayan ❤️

Grabehan lang sa pag taas ng CL. From 50k to this na. Wala lang kakatuwa lang. Hehe.

Isa sa biggest lesson learned ko: wag maging impulsive buyer, lalo na pag installment 😂😭 Masyado akong naging kampante dati kasi mababa lang naman ang amount per order at matagal pang mababayaran.. until naipon lahat ng monthly dues at ang laki na pala ng halaga!!!

I struggled to pay it off to the point na kinailangan ko pang i-budget yung allowance ko hanggang due date para lang mabayaran on time at maiwasan ang extra fees. ^{Di ko pa nga natatanggap yung allowance ko, may nakalaan na agad na paggagastusan😭}

Lesson learned talaga!! Kaya kung nakita mo man to, it's a sign na wag muna mag checkout antay ka nalang sa payday sale charot be responsible with your purchases!!! Learned it the hard way😌

Kaka heal ko ng inner child ko sa mga gamit/gadgets and all nagsusumigaw yung spaylater ko HAHAHAHAHA

Just activated spaylater at ang taas agad ng credit limit woooh,, pano ba magbayad ng bill pagginamit na to? ty!!

I only have Spaylater with shopee for 2 years. Akala ko tumataas yung credit score ko kasi nag rereport sila to credit bureaus. Ang ending pinapatay pala nila yung credit score ko.

Wala akong loans with OLAs and aside from Spaylater, Lazpaylater lng meron akong credit before na ginagamit.

Lahat ng reports ko sa kanila galing. Di ko alam kung pano ko to bubuhayin yung critical na score hahahaha.

Never missed a payment, ever. Pero ito pa yung balik nila saken. Bumaba dahil ang dami nilang inquiries in a short amount of time. It is also tagged as personal loan. Unlike credit cards na under one account lng, sa spaylater multiple reports yung lumalabas.

Pano ko kaya to mababawi?

Sharing my experience during the 9.9 Sale in case anyone else experienced something similar with SPayLater.

I bought an iPhone 17 Pro on Shopee for ₱65,512. My SPayLater limit was around ₱60k, so I paid ₱5,741 separately (upfront payment via Gcash), while ₱59,771 was placed on SPayLater.

At checkout, I selected the 6-month 0% installment option. The checkout screen clearly showed:

₱9,961.83 × 6 months — 0% Installment

Since ₱9,961.83 × 6 is approximately ₱59,771, I proceeded with the order.

However, after the order was completed, I checked my SPayLater installment details and was surprised to see:

• Total repayment: ₱72,715.77

• Installment Fee: ₱12,732.19

• Processing Fee: ₱212.58

• Monthly installment: \~₱12,119

I contacted Shopee through the Help Center and formally disputed the charge.

Shopee/Monee's Escalations Team confirmed that my order was eligible for the 0% interest promotion at checkout, but the promotion was not successfully applied due to a system issue that occurred when I used split payment with GCash.

They said they coordinated with their Internal Team and arranged for the ₱12,732.19 installment fee to be deducted from my future installments as an adjustment, which should reflect within 5–10 business days.

I'm sharing this mainly for awareness and to ask if anyone else experienced something similar during the 9.9 Sale.

Has anyone else had a 0% SPayLater installment displayed at checkout but later received a significantly higher installment because of an installment fee?

Screenshots attached:

1. Checkout showing ₱9,961.83 × 6 / 0% Installment

2. Actual SPayLater bill showing ₱72,715.77

3. Shopee/Monee response confirming the system issue and ₱12,732.19 adjustment

TLDR: During the 9.9 Sale, my iPhone 17 Pro checkout showed SPayLater ₱9,961.83 × 6 at 0%, but my actual bill became ₱72,715.77 because of a ₱12,732.19 installment fee + ₱212.58 processing fee. I disputed it, and Shopee/Monee confirmed it was a system issue and said they will deduct the ₱12,732.19 from my future installments. Anyone else experienced this?

May nabasa kasi ako before na pwede palang magrequest ng rebate pag na fully paid mo yung sloan or spaylater mo. So I tried contacting shopee customer service nung time na binayaran ko ng buo yung 2 sloan ko hehe.

Nov 18 - full payment and contacted shopee cs Nov 20 - processing Nov 23 - was advised to wait for 5-10 business days Dec 2 - received na yung rebate sa shopeepay ko

First time ko ginawa and super happy may pang extra money for christmas! Hahaha.

After a month nakuha ko na din sha!

Reason bakit a month ko sya nakuha: Kasi banned yung shopeepay ko for unknown reason but fortunately nabawi ko naman.

Share ko lang, ang sarap pala sa pakiramdam ma-approve ang Spaylater at 19 years old para akong nanalo sa lotto HAHAHAAHAHHA. 6,000 credit pa talaga most I see kasi starts at 2k. And, before you judge yes I am wise with my money and my spending habits, and meron din akong mga side jobs to pay for it since I am still studying. Just sharing this because I felt like I just tasted adulthood.

Guyss may question ako. I ordered iP17 3 days ago at shopee apple flagship store then pag gising ko kanina cancelled na yung order ko then refunded na daw yung payment ko @ spaylater. bale nag bayad kasi ako thru BDO online banking (sa brother ko) then spay later na (8500 pesos). Upon checking yung sa spay later okay na. Saan po kaya marerefund yung 42,290??😭😭😭 Anyone here have same exp with minee? help yo girlll pls whahahaha thankss!!

Just received my SLoan interest rebate in ShopeePay today! 🎉

Pwede bang ilock na lang ang SPay? 😆 nakakatempt magcheckout na naman lalo pag sale 😭

I just got that 600 pesos off shopee pabaon and after double checking my vouchers, I have another 600 pesos off but its only valid until august 31. I'm still a student and I don't want to be addicted in online shopping but the discounts are teasing me. Can I ask for your opinions if its worth it to activate just for these coupons once for a while?