should we go for lazypay card? Already a lazypay user
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Coz it’s a paylater service and heard lot of negative remarks how this companies badly effect our credit score while the offers are tempting but can’t put credit score on stake
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Nothing like that. I have a lazypay account with credit limit as 2K but never given my PAN card. When asking to do Lazypay UPI,its asking Aadhar Number etc. which i skipped.Still using for basic needs.
Bases on SMS Transaction,they still provide credit limit. Normally i omit companies which asks for PAN like cred,slice etc (except for Bank Credit Card),even if they give lucrative offers.
You should go As your details already with them as well as credit report
It is a prepaid card just Ola offer one.
How can they add 2 loan entries if they are offering only one loan amount.
Nothing like that. I have a lazypay account with credit limit as 2K but never given my PAN card. When asking to do Lazypay UPI,its asking Aadhar Number etc. which i skipped.Still using for basic needs.
How you are able to use credit line without KYC surprising isn’t it?
This is tricky already lazypay is reported in credit score as personal loan now card will be reported separately… so it’s addition of card which will not be shown as personal loan but card in short second time reporting what say?
link
@aneelg did you applied after knowing it’ll do hard enquiry? @chaithu.new3419 did you able to close paylater service successfully, are you lazypay user and did you proceed for this lucrative offer? @sauravDD did you applied was there a separate cibil inquiry?
I didn’t apply it after knowing it as hard enquiry.
No separate enquiry as of now
I have Lazycard and they increased the limit from ₹3100 to ₹1,20,000 as soon I completed KYC for lazycard. I don’t have Lazyplus UPI feature. Does anyone got UPI option after getting lazycard?
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If you have already completed KYC then the loan is already present in your scores. And just pay your bill on time there will be no effect on your credit scores.