How to Close Flipkart Pay Later Account

how to close flipkart pay later account

Flipkart Pay Later lets you spread out the cost of your Flipkart purchases. You can usually pay everything back within a month, or you can break it down into EMI. But if you don’t need it anymore or want to manage your spending better, you can close your account For any reason. we’ll provide step-by-step instructions for the Flipkart Pay Later cancellation.

What to do before Flipkart Pay Later deactivation

  1. Settle Outstanding Dues: Make sure you’ve paid everything you owe on Flipkart Pay Later. This avoids any hold-ups when closing your account. 1FAQs Website: Flipkart
  2. It’s Permanently Close: Closing your account is for good. You can’t open it again later.
  3. Have Your Info Ready: Be prepared to confirm your Flipkart account details when you contact customer support.
  4. Settle EMIs Separately: If you have ongoing payment plans (EMIs), clear them before closing your account.
  5. Be Patient and Polite: Customer support might ask questions or offer other options. Be patient and listen to their advice.
  6. Credit Score Check: closing your account might affect your credit score. Make sure you’ve paid off all your outstanding dues before initiating the closure.
  7. Get Proof of Closure: Once closed, you should get a confirmation letter (NOC) within a few weeks. If not, ask Flipkart for help.

1 Method: How to Close Flipkart Pay Later By Phone

Flipkart doesn’t currently let you close your Pay Later account directly through their app or website. Here’s how to do it by calling customer support:

  1. Log in to Flipkart: Open the Flipkart app or website and sign in to your account.
  2. Find Help: Look for the 24×7 Customer Support, usually in the top right corner (it might have your profile picture). 224×7 support Website: Flipkart
  3. Request a Callback: From the Help Center, choose “I want help with other issues” and then pick “others” twice from the list. You should see a callback option. Click on it to request a call from a customer service rep.
  4. Talk to Customer Care: Expect a call within 5-10 minutes. Be polite and tell them you want to permanently close your Flipkart Pay Later account.
  5. Closure Process: Once you confirm the closure with the rep, it will take about a month for your account to be fully closed.
  6. It can take another 2-3 months for the closure to show up on your credit report. Be patient during this time.

2 Method: Deactivate Flipkart Pay Later Account By Email

  1. Send an Email: Draft an email to “Cs@flipkart.com” from the email address registered with your Flipkart account.
  2. Clear Subject Line: Make your request clear in the subject line. Use something like “Flipkart Pay Later Closure Request.”
  3. Compose Your Email: Briefly explain your request. Include your full name, Flipkart account number, phone number, and the email address you’re using. Clearly state that you want to close your Flipkart Pay Later account and ask for help with the process.
  4. Wait for Response: Once Flipkart receives your email, a customer service rep might reply via email or call you on your registered phone number.

Keep in Mind: Email is an alternative method, so a response might not be immediate. It’s generally faster to call customer support for quicker assistance.

How to Write Email – (Example)

Subject: Flipkart Pay Later Account Closure Request

Dear Flipkart Support,

I am writing to request the permanent closure of my Flipkart Pay Later account.

Please let me know the next steps to close my account and ensure a smooth closure process.

For your reference, my account details are as follows:

  • Name: [Your Full Name]
  • Registered Email Address: [Your Email Address]
  • Phone Number: [Your Phone Number]

Thank you for your time and assistance.

Sincerely, [Your Name]

Alternatives to Choose

  • Lower Your Limit: If you’re worried about overspending, consider requesting a lower credit limit. This will help you manage your spending better.
  • Take a Break: Opt for temporary deactivation instead of closure. This lets you pause your Pay Later account without permanently getting rid of it.

Advantages And Disadvantages

Pros:

  • Control Your Spending: Closing the account removes the temptation to buy now and pay later, encouraging responsible spending.
  • Reduce Debt: No more adding to your debt! This can save you money on interest charges.
  • Simpler Budgeting: It’s easier to track your spending when you pay upfront for everything.
  • Improve Credit Score: Closing accounts with no balance can help your credit score by showing responsible management.
  • Less Risk: Closing the account reduces the risk of someone else accessing your information.

Cons:

  • Less Convenience: You lose the option to spread out payments for larger purchases.
  • Fewer Payment Options: You’ll need to pay upfront for everything, which might not always be ideal.
  • Credit Score Impact (Maybe): Closing the account could hurt your credit score if you carry balances on other accounts.
  • Missed Deals: You might miss out on special offers for Flipkart Pay Later users.
  • Reopening Hassle: If you change your mind later, reopening the account might involve a new application process.

FAQs

  • Can I Close My Flipkart Pay Later Account Through the App?

    Unfortunately, no. Currently, Flipkart doesn’t offer an in-app option for closing your Pay Later account.

  • What happens to my pending payments if I close my account?

    You’ll still be responsible for settling any outstanding dues on your Pay Later account before it can be closed. Clear all pending payments to avoid delays.

  • How can I close a Flipkart Pay Later EMI?

    To close a Flipkart Pay Later EMI, ensure all outstanding dues are cleared, then contact Flipkart’s customer support via phone or email to request closure.

Article References

Nanne Parmar
Pricemint
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