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@kinhnghiemvayapponline68

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Why it worked

The post taps into a common fear of financial repercussions and provides a clear, actionable warning about specific apps, making it highly shareable among users concerned about their credit.

Summary

The post warns against using 12 specific 'pay later' apps, listing them and explaining that defaulting on payments will negatively impact credit scores and future loan applications, even affecting family members.

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Transcript, structure and on-screen text

5 beats and 6 lines of on-screen text — the parts you need to write your own version.

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Original caption

❌Danh sách gồm: 1. FE CREDIT 2. Zalopay (Ví Trả Sau) 3. HOMECREDIT 4. Momo (Ví Trá Sau) 5. Muadee Hdbank 6. TikiPay 7. Kredivo 8. SmartPay 9. My Finance (Mirae) 10. Viettel Money 11. LOTTE Finance PayLate 12. TNEX (ví trả sau) 📌Lý do: Các app này đều thuộc công ty tài chính lớn. Hoặc ngân hàng Khi xùu nơ., bạn sẽ lên CIC. Không chỉ khó vayy, mà còn không làm hồ sơ được trong việc mua trả góp. Ảnh hưởng cả người thân nữa nhé.