Imagine strolling through your favorite mall or browsing your go-to online store, adding items to your cart without a second thought about immediate payments. That’s the reality you can live with Atome Card and its pay later feature.
Atome is revolutionizing how Filipinos shop by offering a seamless, interest-free payment option for the first 40 days.
This blog post explores how to shop smarter and manage your budget more effectively using Atome Card’s pay later feature.
Whether buying essentials like groceries or treating yourself to the latest gadgets, we’ll show you how Atome provides financial flexibility and helps you stay on top of your finances.
Let’s dive in and discover how to make the most of Atome’s pay later option in the Philippines.
What is Atome Card’s Pay Later Feature?
Atome’s pay later feature is designed to make shopping a lot more flexible without the stress of immediate payments. You can make purchases using your Atome Card and spread the cost of the bill over 3 or 6 months. As a bonus perk, you can enjoy a 40-day interest-free period, making repayment and managing your budget even easier.
4 Ways to Shop and Budget with Atome Card Pay Later
What can you do to budget better with your Atome Card? Take a look at the list below.
1. Plan your purchases
Impulse buying is a quick way to create financial stress. So before hitting the stores or browsing the next online sale, take some time to make a shopping list of your priorities. This helps you focus on what you actually need and avoid the next flashy item with an attractive discount.
2. Understand the difference between your Needs and Wants
Sometimes, a Want can look like a Need if you crave it enough. But don’t be fooled: trendy items go out of style eventually and you’ll almost always find alternatives that don’t require spending a lot.
So, before you go out with your Atome Card, consider what it is you want to buy in the first place and ask yourself: Is it absolutely necessary for you? Suppose you want to change your office chair at home. Is it because you saw a sale on office supplies or is your office chair really broken and ready for replacing?
There’s nothing wrong with treating yourself to clothes, gadgets, or great food, but those aren’t often urgently necessary. Delaying your gratification with your Atome Card could make the experience a lot more fulfilling once you’re able to hit that sweet Check Out button.
3. Take advantage of promotions and Atome+ vouchers
Did you know that you don’t need to pay full price for everything? Atome+ is Atome’s loyalty program that allows you to buy vouchers for some of your favorite merchants using Atome+ points.
Atome also runs Atome+ campaigns you can join to earn even more exciting rewards. Following Atome on Instagram, Facebook, and TikTok is the best way you can stay updated on these campaigns so you don’t miss out.
4. Track your spending
One of the keys to effective budgeting is tracking your spending. With Atome Card, it’s a breeze. You’ll receive a push notification on your phone every time you make a transaction using your Atome Card. These notifications include the amount you spent as well as where you paid. This makes regularly tracking your expenses even easier; now you won’t have to wonder where your money went.
The great thing about Atome Card’s spending limit is that it can work as a budget cap for you too. This makes it easier to avoid overspending when you use your Atome Card frequently; there’s already a limit, keeping your spending much more controlled.
Expanding Your Shopping Experience with Atome Card
Shopping on a budget doesn’t have to feel constricting. It can be the opposite, in fact. Responsibly using your Atome Card not only allows you to buy the things you want, like the latest gadgets or trendy outfits, but it’ll also help you achieve your financial goals much faster.
That’s where Atome Card truly shines. It helps you balance paying for the items you need without sacrificing the things you want. So, if you haven’t applied for your Atome Card yet, now is your chance! Just scan the QR code on this article to find and apply for your Atome Card through the Atome app today.
