Paytm Postpaid pros & cons
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Paytm is offering Paytm postpaid at 0% intrest and zero joining fees.
Is it worth?
Found some information here:
Advantages of using Paytm Postpaid:
Convenience: Paytm Postpaid allows users to make purchases now and pay later, which can be useful in situations where the user does not have the funds to make a purchase at the time.
Credit limit: Paytm Postpaid provides users with a credit limit, which can be useful for making larger purchases.
No interest charges: Paytm Postpaid does not charge interest on the credit provided, which can be beneficial compared to traditional credit cards.
Disadvantages of using Paytm Postpaid:
Credit check: Paytm Postpaid may perform a credit check before approving a user for a credit limit, which can negatively impact the user’s credit score if they are denied.
Late payment fees: Paytm Postpaid may charge late payment fees if a user is unable to make their payments on time.
Limited acceptance: Paytm Postpaid may not be accepted at all merchants, limiting the user’s options for making pur
Is it worth?
Found some information here:
Advantages of using Paytm Postpaid:
Convenience: Paytm Postpaid allows users to make purchases now and pay later, which can be useful in situations where the user does not have the funds to make a purchase at the time.
Credit limit: Paytm Postpaid provides users with a credit limit, which can be useful for making larger purchases.
No interest charges: Paytm Postpaid does not charge interest on the credit provided, which can be beneficial compared to traditional credit cards.
Disadvantages of using Paytm Postpaid:
Credit check: Paytm Postpaid may perform a credit check before approving a user for a credit limit, which can negatively impact the user’s credit score if they are denied.
Late payment fees: Paytm Postpaid may charge late payment fees if a user is unable to make their payments on time.
Limited acceptance: Paytm Postpaid may not be accepted at all merchants, limiting the user’s options for making pur
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We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
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https://www.desidime.com/discussions/paytm-postpaid-pros-cons?page=1#post_9144772
Is Cibil hit for every transaction?
While applying will they show which version of postpaid user is eligible? Before activating.
Is it 0.9% (on 25k rs 225) for no transaction 
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https://www.desidime.com/discussions/paytm-postpaid-pros-cons?page=1#post_9145265
There were offers on payment through paytm postpaid, that's why thinking 
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It hits your cibil
As my experience
I got 25k limit
And there is convenience fee
I didn't use anything one month got 0.9 fee
And there is 1.1% fee every month on every spends to my postpaid account
I saw there are three types of postpaid accounts in Paytm I got lite
Final verdict : I closed after 3 months of use now I'm feeling happy