u/Double-Ad2224

Is it true that atome and spay later will affect your credit history? And if it does, will it affect your approval with Home Credit? huhu planning kase me bumili phone sa home credit but I have an overdue balance with Atome for 4k and Spaylater for less than 500.

Is it true that atome and spay later will affect your credit history? And if it does, will it affect your approval with Home Credit? huhu planning kase me bumili phone sa home credit but I have an overdue balance with Atome for 4k and Spaylater for less than 500.