Convenient but concerning collection…
Convenient but concerning collection practices: Atome is easy to use and provides convenient access to credit, similar to a buy-now-pay-later (BNPL) service rather than a traditional bank-issued credit card regulated by the Bangko Sentral ng Pilipinas. However, based on my experience, the collection practices are concerning. I received repeated calls, sometimes multiple times a day and from different numbers, even after I already responded to their reminders, explained my situation, and acknowledged my obligation. While I fully intend to pay my dues, the frequency and manner of communication felt excessive and stressful. Compared to traditional credit cards from banks, the approach to collections seems less regulated and more aggressive. Atome may be useful for short-term credit, but users should be aware of how communication and collections are handled before using the service.