https://www.desidime.com/discussions/flipkart-pay-later-query-77fc7dee-8eff-4b3f-a483-2f97a8c5c1ec?page=1#post_8282719
Anybody help
Flipkart Pay Later Query
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My KYC Of 1 Year got expired in 15 Oct 2021 when the Limit was only 5000Rs.
But,Now When i am checking it,it shows 40,000Rs.
In CIBIL, Experian it is showing 40,000Rs!
Now,i Don’t understand 8000 limit is pay later and 25000 limit is smart upgrade (is is Flipkart mobile upgrade thing)
25000+8000= 33000
Then,why it is showing 40000Rs
Also,If i resume kyc will it again do enquiry on credit report.
Because in terms and conditions they have mentioned Experian will fetch data. But, Experian is already showing 40000
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https://www.desidime.com/discussions/flipkart-pay-later-query-77fc7dee-8eff-4b3f-a483-2f97a8c5c1ec?page=1#post_8282721
@aniket1587 please guide this bro
@yulu @Fanil
https://www.desidime.com/discussions/flipkart-pay-later-query-77fc7dee-8eff-4b3f-a483-2f97a8c5c1ec?page=1#post_8311322
shraaj wrote:Anybody help
why r using pay later? if u have any credit card then u dont need pay later
https://www.desidime.com/discussions/flipkart-pay-later-query-77fc7dee-8eff-4b3f-a483-2f97a8c5c1ec?page=1#post_8312777
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aniket1587 wrote:why r using pay later? if u have any credit card then u dont need pay later
Flipkart Pay Later was my First Unsecured Type of Loan/Credit Card.
You Can Say,Back in 2020. Flipkart Offered me a Pay Later,I Opted and did Shopping and it helped me building my Credit Score which helped me then what is CIBIL Score? Then,After that I had a Credit Card.
But, Still I have a Flipkart Pay later Account because it’s a Old Loan Account and If I closed it,will impact my credit score because that is only thing in my cibil which is old plus your cibil score should be a mixed of credit card and personal loan and if I closed it,it would have no value.
So,it’s better to keep 1 pay later atleast for me
https://www.desidime.com/discussions/flipkart-pay-later-query-77fc7dee-8eff-4b3f-a483-2f97a8c5c1ec?page=1#post_8312975
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shraaj wrote:Flipkart Pay Later was my First Unsecured Type of Loan/Credit Card.
You Can Say,Back in 2020. Flipkart Offered me a Pay Later,I Opted and did Shopping and it helped me building my Credit Score which helped me then what is CIBIL Score? Then,After that I had a Credit Card.
But, Still I have a Flipkart Pay later Account because it’s a Old Loan Account and If I closed it,will impact my credit score because that is only thing in my cibil which is old plus your cibil score should be a mixed of credit card and personal loan and if I closed it,it would have no value.
So,it’s better to keep 1 pay later atleast for me
theres no such written rule that one should have a loan and a credit card mix, pay later reflects as a personal loan
a 40-50k personal loan is bad bcoz it shows the other banks(whoever will check ur cibil in future) that person had to take a loan for a small amount of 40-50k, small amount loan is considered as a negative point
pay later is only for starters, once u get a credit card, close the pay later
https://www.desidime.com/discussions/flipkart-pay-later-query-77fc7dee-8eff-4b3f-a483-2f97a8c5c1ec?page=1#post_8314211
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aniket1587 wrote:theres no such written rule that one should have a loan and a credit card mix, pay later reflects as a personal loan
a 40-50k personal loan is bad bcoz it shows the other banks(whoever will check ur cibil in future) that person had to take a loan for a small amount of 40-50k, small amount loan is considered as a negative point
pay later is only for starters, once u get a credit card, close the pay later
Until and Unless,I get a Good/Descent Amount of Credit Card Limit,I will not closed this Pay Later.
Once i get a Good Limit,then definitely i will close this!
https://www.desidime.com/discussions/flipkart-pay-later-query-77fc7dee-8eff-4b3f-a483-2f97a8c5c1ec?page=1#post_8334981
How to close pay later??
https://www.desidime.com/discussions/flipkart-pay-later-query-77fc7dee-8eff-4b3f-a483-2f97a8c5c1ec?page=1#post_8334991
kannu01092001115 wrote:How to close pay later??
I have also called Customer care regarding closing of pay later. Then he told me to wait for three days for backend verification, then they will close it.
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