No flexibility when customer needs it most
⭐️⭐️ Very disappointed with my recent experience with Atome. I have had no issues making my repayments previously. However, Atome brought forward my repayment dates, while my salary is still credited on the 27th of each month. This created a temporary cash-flow issue, so I contacted Atome to request a short deferment until my salary was credited. I wasn't asking to avoid payment or have anything waived — I was simply asking for some flexibility with the payment timing. Instead, my request was refused and I was reminded that a minimum SGD 15 late fee would apply, with automatic deductions attempted daily. I will still honour my payments and settle my existing commitments. But once everything is fully paid, I will not be using Atome again. A company can collect payments, but good customer service is also about showing some understanding when a customer has a genuine temporary issue. Unfortunately, that flexibility was not extended to me. My experience has made the decision very easy: I'll be taking my business elsewhere.