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Which PostPaid Or BNPL Is Good As Per Ur Experience?

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Deal Subedar
PowerStar

For Good Credit Mix I Am Thinking To Open BNPL Or Postpaid ( With Out Spoiling CIBIL Score) 

Need Ur Valuable Suggestions Dimers! 

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Deal Lieutenant Deal Lieutenant
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Bro I also didn’t opt for any credit lines or BNPLs so far because of the concerns you also seem to have.
The only thing I have outside regular banking is dhani cashback prepaid card.

Finance Ninja Finance Ninja
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Flipkart paylater is good as they report on time payments to cibil even if u don’t use it for even 1 rupee + it’s easy to close just by giving a call to customer care and telling them to close it.

Deal Lieutenant Deal Lieutenant
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Before opting for any BNPL Service, the question one should ask is why do you need it, purpose or use.

If the purpose is to opt an alternative to cc or online offers, Slice is the father of all BNPL. All BNPL have limitations / cons. No other BNPL could match its offers. All I would suggest is use it carefully, do follow regular security norms like do not share OTP, CARD details, etc to anyone except your own soul.

Disclaimer – The above comments are my personal opinions based on my experience. Neither I’m a promoter, shareholder nor an employee of Slice or its affiliates blush

Deal Subedar Deal Subedar
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In terms of offers, slice and simpl. Rest all crap

Mobile Guru Mobile Guru
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PowerStar wrote:

U Missed Slice 😉

Whats Ur Observation On Slice? 

No idea about Slice. Haven’t applied for the line/card
Do remember seeing a lot of offers with Slice card sometime back but now there are very few

People are getting PostPe BNPL too, probably to pay CC bills 

Deal Subedar Deal Subedar
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decideaim wrote:

Bro I also didn’t opt for any credit lines or BNPLs so far because of the concerns you also seem to have.
The only thing I have outside regular banking is dhani cashback prepaid card.

Dont Take Dhani Freedom Card At Any Cost 

Cashback Card Seems Good

Deal Subedar Deal Subedar
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getready wrote:

No idea about Slice. Haven’t applied for the line/card
Do remember seeing a lot of offers with Slice card sometime back but now there are very few

People are getting PostPe BNPL too, probably to pay CC bills 

Slice Is Ready To Give Offer After MumbaiS First Win 😃

Deal Subedar Deal Subedar
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Tanmayyy wrote:

Flipkart paylater is good as they report one time payments to cibil even if u don’t use it for even 1 rupee + it’s easy to close just by giving a call to customer care and telling them to close it.

I Do Have Amazon And Flipkart Pay Laters 

I Closed Now 

Deal Lieutenant Deal Lieutenant
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PowerStar wrote:

Dont Take Dhani Freedom Card At Any Cost 

Cashback Card Seems Good

Yeah i will never take freedom card. Even cashback card is useless now I think after they are charging CC loading.

Finance Ninja Finance Ninja
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PowerStar wrote:

I Do Have Amazon And Flipkart Pay Laters 

I Closed Now 

So you want a proper bnpl now?

Deal Subedar Deal Subedar
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Smak wrote:

Before opting for any BNPL Service, the question one should ask is why do you need it, purpose or use.

If the purpose is to opt an alternative to cc or online offers, Slice is the father of all BNPL. All BNPL have limitations / cons. No other BNPL could match its offers. All I would suggest is use it carefully, do follow regular security norms like do not share OTP, CARD details, etc to anyone except your own soul.

Disclaimer – The above comments are my personal opinions based on my experience. Neither I’m a promoter, shareholder nor an employee of Slice or its affiliates blush

I Need One Pay Later For Perfect Credit Portfolio Mix 

Like Unsecured Loan

Personal Loan

consumer Loan

Deal Subedar Deal Subedar
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Tanmayyy wrote:

So you want a proper bnpl now?

Yes Bro For Credit Mix Only , Not For Offers

Deal Subedar Deal Subedar
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decideaim wrote:

Yeah i will never take freedom card. Even cashback card is useless now I think after they are charging CC loading.

Dhani Is Worst Bro 

Every Day They Do Spam Calls 

Deal Lieutenant Deal Lieutenant
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Add an opinion poll with the popular ones, we’ll know which one dimers are voting and vouching for.

Finance Ninja Finance Ninja
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PowerStar wrote:

Yes Bro For Credit Mix Only , Not For Offers

Slice makes multiple entries , unicard reports to cibil but doesn’t report any loan amount or bill amount or paid amount , just on time payments and will also take 4-5 months to appear on your report. Lazypay I’ve heard is good.

Deal Subedar Deal Subedar
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Tanmayyy wrote:

Slice makes multiple entries , unicard reports to cibil but doesn’t report any loan amount or bill amount or paid amount , just on time payments and will also take 4-5 months to appear on your report. Lazypay I’ve heard is good.

Yes Slice Has Multiple Entries 

Lazy Pay Seems Good

Deal Lieutenant Deal Lieutenant
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PowerStar wrote:

Some Guys Reported , Multiple Entries Reflected In CIBIL

That is a very small matter. Anything else?

Deal Captain Deal Captain
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decideaim wrote:

Bro I also didn’t opt for any credit lines or BNPLs so far because of the concerns you also seem to have.
The only thing I have outside regular banking is dhani cashback prepaid card.

Now Dhani Cashback prepaid card also we should not keep idle for long.

They are charging Rs.25 for Not using the card per quarter.

Already i send mail and closed the account in january.

@RowdyAK47

Deal Lieutenant Deal Lieutenant
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Scorpion wrote:

Now Dhani Cashback prepaid card also we should not keep idle for long.

They are charging Rs.25 for Not using the card per quarter.

Already i send mail and closed the account in january.

@RowdyAK47

How do they charge if we dont have any money there??
Share the mailing ID and if possible generic content of mail bro. TIA

Deal Subedar Deal Subedar
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rohan8397 wrote:

That is a very small matter. Anything else?

Nothing

Deal Captain Deal Captain
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decideaim wrote:

How do they charge if we dont have any money there??
Share the mailing ID and if possible generic content of mail bro. TIA

We received sms, so dont want to take a chance.
will send in DM.

Critic Critic
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PowerStar wrote:

I Need One Pay Later For Perfect Credit Portfolio Mix 

Like Unsecured Loan

Personal Loan

consumer Loan

You are doing this completely wrong bro. There is no such thing as “perfect credit portfolio” especially in India. If you were doing it for offers then at least there would have been some point though even there I don’t recommend taking BNPL type schemes/cards. I can assure you that even after taking a one/few BNPL to create a “perfect credit portfolio” your cibil score will almost certainly never cross 800.

Deal Subedar Deal Subedar
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guest_999 wrote:

You are doing this completely wrong bro. There is no such thing as “perfect credit portfolio” especially in India. If you were doing it for offers then at least there would have been some point though even there I don’t recommend taking BNPL type schemes/cards. I can assure you that even after taking a one/few BNPL to create a “perfect credit portfolio” your cibil score will almost certainly never cross 800.

Thq For The Information ! 

Deal Lieutenant Deal Lieutenant
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guest_999 wrote:

You are doing this completely wrong bro. There is no such thing as “perfect credit portfolio” especially in India. If you were doing it for offers then at least there would have been some point though even there I don’t recommend taking BNPL type schemes/cards. I can assure you that even after taking a one/few BNPL to create a “perfect credit portfolio” your cibil score will almost certainly never cross 800.

So you mean to say, secure, unsecure mix is enough. No need to get personal, consumer, pay later and the sorts as it doesn’t give any additional advantage ??

Critic Critic
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decideaim wrote:

So you mean to say, secure, unsecure mix is enough. No need to get personal, consumer, pay later and the sorts as it doesn’t give any additional advantage ??

I mean to say, there is no such thing as “perfect credit portfolio” which one can create to cross the 800 cibil score milestone on a consistent basis(& not like it touched/crossed 800 for a few days). A guy I knew had a cibil score of 800+ despite not even having any credit card while another had 820 cibil score only holding credit cards with no BNPL/consumer loan etc.

Deal Subedar Deal Subedar
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decideaim wrote:

So you mean to say, secure, unsecure mix is enough. No need to get personal, consumer, pay later and the sorts as it doesn’t give any additional advantage ??

CIBIL Will Jump If We Have Secured, Unsecured Combination For Sure 

IDK About Pay Laters

Deal Subedar Deal Subedar
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guest_999 wrote:

I mean to say, there is no such thing as “perfect credit portfolio” which one can create to cross the 800 cibil score milestone on a consistent basis(& not like it touched/crossed 800 for a few days). A guy I knew had a cibil score of 800+ despite not even having any credit card while another had 820 cibil score only holding credit cards with no BNPL/consumer loan etc.

@aswaniexpress Also Have 800+ Score With Out Any PayLaters

Critic Critic
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PowerStar wrote:

CIBIL Will Jump If We Have Secured, Unsecured Combination For Sure 

IDK About Pay Laters

Cibil will jump but only by a few points which can be neglected because one can achieve the same result by just having credit cards too. Point is, there is no “sure shot way” to guarantee a 800+ cibil score while anything less than 800 does not need any “planning” other than just having credit cards & paying your total due amt regularly with low credit utilization.

Deal Subedar Deal Subedar
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guest_999 wrote:

Cibil will jump but only by a few points which can be neglected because one can achieve the same result by just having credit cards too. Point is, there is no “sure shot way” to guarantee a 800+ cibil score while anything less than 800 does not need any “planning” other than just having credit cards & paying your total due amt regularly with low credit utilization.

Absolutely Correct Bro 😃

With CCs Only My CIBIL Jumped To 776

Critic Critic
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Simpl does not report to Cibil. Rest are shown as personal loan and often misreport. 

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