Hot Deal

Postpe app by BharatPe

533°
Deal Cadet
Coldblood001

PostPe – India’s first QR Credit App is here!
Spend Today, Pay Next Month!
0% Interest.
5% Cashback.

Get 5% cb on QR transaction.
Some folks are getting really high credit limit.

PM if anyone needs referral

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Deal Cadet Deal Cadet
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It’s showing my waitlist position 265.

How much limit you got..?

Deal Cadet Deal Cadet
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I am also on waitlist …but few of my connections got over 5L limit

Deal Subedar Deal Subedar
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Any idea, if this will this reflect in CIBIL report as a loan ? like the other paylater services.

Deal Lieutenant Deal Lieutenant
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teriab33 wrote:

Any idea, if this will this reflect in CIBIL report as a loan ? like the other paylater services.

anything credit, goes into credit report.

Deal Cadet Deal Cadet
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Checked some reviews on PlayStore and it appears to me that transactions done through PostPe are routed to BharatePe first and then to the merchant making it prone to failures. Some reviews even stated that the app expects users to enter the merchant’s phone number after the scan – I believe this could be (mis)used by BharatPe to push their solutions/QR codes to such merchants.

The PayBack mobile app, incidentally owned by BharatPe uses the same route – first to their own account and then to merchant leading to transaction failures. Worst case, the screen shows PayBack’s UPI ID and not the merchant’s on successful payment.

Deal Newbie Deal Newbie
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im not getting 5%cashback . it 0 for me

Post Tycoon Post Tycoon
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There is an option to send money to bank account. Is it free and payable next month? The FAQ has no details about this feature.

Post Tycoon Post Tycoon
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drjohn wrote:

im not getting 5%cashback . it 0 for me

1% cashback is default. You get 5% if you refer 5 members but that too for only one month. You have to keep referring to maintain that 5% so basically it is just 1%.

Deal Newbie Deal Newbie
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LordGane wrote:

1% cashback is default. You get 5% if you refer 5 members but that too for only one month. You have to keep referring to maintain that 5% so basically it is just 1%.

no default cashback , personally tested

Analyst Analyst
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2% charge to send to bank account.

Post Tycoon Post Tycoon
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drjohn wrote:

no default cashback , personally tested

You are right. I referred one person and that’s why I have 1%. And that also resets next month. This app is a new MLM. I don’t understand what is the advantage of this app compared to the Bullet app (temporarily suspended waiting approvals) which works very well.

Also, merchant number should be entered for every UPI transaction which is highly inconvenient.

Critic Critic
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Be prepared to take a hit on the credit rating

Post Tycoon Post Tycoon
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panchabhut wrote:

Be prepared to take a hit on the credit rating

I apply for different cards, I had at least 3-4 such credit line apps including online Shopping site PayLater accounts. Even when my card usage is higher, my score was down by 2-3 points. My CIBIL score is 800 checked today. Score doesn’t take hit because of loans or credit lines but when there are defaults.

Deal Newbie Deal Newbie
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LordGane wrote:

You are right. I referred one person and that’s why I have 1%. And that also resets next month. This app is a new MLM. I don’t understand what is the advantage of this app compared to the Bullet app (temporarily suspended waiting approvals) which works very well.

Also, merchant number should be entered for every UPI transaction which is highly inconvenient.

it’s useless bro ,wested new cibil entry

Critic Critic
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LordGane wrote:

I apply for different cards, I had at least 3-4 such credit line apps including online Shopping site PayLater accounts. Even when my card usage is higher, my score was down by 2-3 points. My CIBIL score is 800 checked today. Score doesn’t take hit because of loans or credit lines but when there are defaults.

Most of these unregulated credit facilities have the habit of wrong reporting to credit agencies which leads to lowering of ratings. There are many threads in this forum itself.

Deal Newbie Deal Newbie
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What are the ways to pay the bill? UPI, net banking, DC, CC?

Post Emperor Post Emperor
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teriab33 wrote:

Any idea, if this will this reflect in CIBIL report as a loan ? like the other paylater services.

Credit line

Post Emperor Post Emperor
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panchabhut wrote:

Most of these unregulated credit facilities have the habit of wrong reporting to credit agencies which leads to lowering of ratings. There are many threads in this forum itself.

Same happened with mobikwik zip account created 5-6 credit lines too worst

Post Emperor Post Emperor
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sauravDD wrote:

YES . i paid few days ago

I was unable to use postpe yesterday opened acc only 9.8k used today I was unable to use in mobikwik is there any limits

Deal Captain Deal Captain
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naveent178553 wrote:

I was unable to use postpe yesterday opened acc only 9.8k used today I was unable to use in mobikwik is there any limits

no idea

Deal Newbie Deal Newbie
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First one was LazyPay Scan & Pay (they did it last year). They just didn’t make a fuss.

Every company thinks they’re the first one to do lol.

Deal Subedar Deal Subedar
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megabull wrote:

First one was LazyPay Scan & Pay (they did it last year). They just didn’t make a fuss.

Every company thinks they’re the first one to do lol.

Companies know if they are not first. Yet they publish and claim shamelessly. Acting blind purposefully 🙈.

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