Flipkart Pay Later is a buy now, pay later (BNPL) service offered by Flipkart. It allows you to do shopping on Flipkart, Myntra, and Shopsy with credit and pay later. However, if you no longer need the service, you can close your Flipkart Pay Later account.
This article provides 3 easy and fast methods for “how to close Flipkart pay later account.”. It also covers how to deactivate Flipkart Pay Later.
Difference Between Deactivate Flipkart Pay Later and Close Flipkart Pay Later Account
Remember deactivating your Flipkart Pay Later account is different from closing it permanently. Deactivation might temporarily restrict access to your account, whereas closure means erasing your account history. Make sure to choose the option that best suits your needs.
How To Close Flipkart Pay Later Account (3 Methods)
1. How To Close Flipkart Pay Later Through the Flipkart App
Step 1: Login Your Flipkart Account
Open the Flipkart app and log in to your account by using your registered email/mobile number and password.
Step 2: Go to the Flipkart Pay Later Option
Click on “My Account” in the upper right corner and then select “Flipkart Pay Later.” Scroll down and look for the “Help & Support” section.
Step 3: Choose the Chat or Callback option
Click on “Contact Us” and choose your preferred method of communication:
Chat: Connect with a Flipkart customer support person directly. If you are selecting the chat option, then clearly mention in the chat to close your Flipkart Pay Later account.
Callback: Request a call back from Flipkart customer support. If you are choosing the callback option, then look for the “I want help with other issues” option and under this, select “others.” Here you will see the “Contact Us” option.’
Flipkart customer care team will call you and guide you through the process and confirm the closure once complete.
Step 4: Flipkart Pay Later Closure time
Flipkart Pay Later closure doesn’t have a specific closure period. Once you communicate with the customer care team to deactivate Flipkart Pay later, they will start the actual account closure process.
It can take anywhere from 2-3 months. You can see the “closed” status on your CIBIL credit report.
Whether you’re no longer interested in this payment method or simply want to switch to another finance tool, This is one of the most convenient and quick answers to your question “How to Close Pay Later in Flipkart.”
How To Close Flipkart Pay Later Through Email
Step 1: Email address
Compose an email to Flipkart customer support at [email protected]. In the subject line mention “Request for Flipkart Pay Later Closure – [Your Registered Mobile Number]”.
Step 2: Email Content
Briefly explain that you want to close Flipkart pay later account. You don’t have any outstanding dues. Also, make sure to add your registered email address and phone number.
Please note that mailing to Flipkart is not an official method for closing Pay Later. But yes, you can definitely give it a try. We would recommend you follow the first method first.
How To Close Flipkart Pay Later Through RBI Ombudsman
RBI Ombudsman offers grievance redressal for financial services. It is advisable to contact the Ombudsman when you have followed the above 2 methods and haven’t received a satisfactory resolution to your complaint regarding “how to close my Flipkart pay later account.”
Step 1: Check Eligibility
Check if you’re eligible to file a complaint with the Ombudsman. You can do this on their website: https://rbi.org.in/Scripts/Complaints.aspx.
Step 2: File a Complaint
Download the complaint form, and mention all the details including the dates on which you have communicated with the Flipkart team to close Flipkart Pay Later account.
Step 3: Submit the complaint
Submit the form online or by registered post to the appropriate Nodal Officer.
How To Close Flipkart Pay Later EMI
There are two ways to close your Flipkart Pay Later EMI:
1. Foreclosure:
In this process, you can pay off the remaining balance in one lump sum and then contact Flipkart customer support and request EMI foreclosure. Pay the full amount and your EMI will be closed immediately.
2. Early payment of next EMIs:
In this method, you need to pay all your upcoming EMIs at once through your preferred payment method on Flipkart.
How To Deactivate Flipkart Pay Later Account
Just like the “how to close Flipkart Pay Later,” there are two main ways to deactivate Flipkart Pay Later:
Method 1. How To Deactivate Flipkart Pay Later Account Through The Flipkart App
1. Log in to your Flipkart account.
2. Click on your profile picture or the menu icon and select the “Flipkart Pay Later” option.
3. Scroll down and then click on “Manage Account.”
4. Select “Close Flipkart Pay Later Account“.
5. Follow the instructions to confirm the deactivation.
Methods 2. How To Deactivate Flipkart Pay Later Account Through Flipkart Customer Care
1. Open the Flipkart app or website and go to the Help Center.
2. Search for “Close Flipkart Pay Later Account” and connect with a customer service representative. Explain to them that you want to deactivate your Flipkart Pay Later account. They will guide you through a detailed process.
Please note that Flipkart doesn’t offer a direct “deactivate” option for Pay Later, you can close your account permanently.
Things to consider before applying for How to Close Pay Later in Flipkart
Before you decide to close your Flipkart Pay Later account or follow our guide on how to deactivate Pay Later in Flipkart, here are some important things to consider:
1. Clear all outstanding dues: Ensure you have no outstanding balance on your Flipkart Pay Later account before starting the closure process. If you have any unpaid amount, it can delay the closure process and also negatively impact your credit score.
2. Check for Upcoming bills: Check for any upcoming bills or automatic payments that you make through Flipkart Pay Later. Remove the automatic payments and link them to other finance sources.
3. No Objection Certificate (NOC): Keep a copy of the NOC issued by IDFC First Bank (Flipkart Pay Later lending partner) for future reference.
Conclusion
This guide on “How to Close Flipkart Pay Later” has covered three quick and simple methods, i.e., using the Flipkart app, sending an email, or going through the RBI Ombudsman. However, make sure to pay all the outstanding dues before going for any of the methods.
The Flipkart app method is recommended for quicker closure as well as Flipkart pay later deactivation, but if you don’t get any response, you can definitely follow the email methods and at last, the Ombudsman route.
In case you face any problem related to “how to close my Flipkart pay later account” you can freely comment in the comment section, and we will help you to resolve the same.
Frequently Asked Questions
1. Can I close my Flipkart Pay Later account anytime?
Ans:- Yes, you can close your Flipkart Pay Later account anytime. However, make sure that you have no outstanding dues (including BNPL, EMI, or FSUP) at the time of closing.
2. What happens to my Flipkart Pay Later limit after closure?
Ans:- Once you initiate the Flipkart pay later account closing process, it gets permanently deactivated.
3. How can I close the Flipkart Pay Later account?
Ans:- You have two options to close your Flipkart Pay Later account, one is through the Flipkart App/Website: Go to “My Account” -> “Manage Flipkart Pay Later” and the other option is Contact Flipkart Customer Support: Call 1800 208 9898 or chat through the Flipkart app.
4. What documents do I need to close my account?
Ans:- You don’t need any documents to close your account. However, it is advisable to keep your Flipkart registered email and phone number handy.
5. How long does it take to close my Flipkart Pay Later account?
Ans:- It takes 3-4 months to close a Flipkart pay later account once you communicate with the Flipkart customer care team.
6. How will I know that my account is closed?
Ans:- You’ll receive an email confirmation from Flipkart and the NOC from IDFC First Bank at your registered mail ID once your account is closed.
7. Can I reopen my Flipkart Pay Later account after closing it?
Ans:- No, closing the account is permanent. You’ll need to apply for a new one if you want to use Flipkart Pay Later again.
8. How To Deactivate Pay Later In Flipkart?
Ans:- Flipkart doesn’t offer a direct “deactivate” option for Pay Later, you can close your account permanently through the Flipkart Help Center or by contacting Flipkart customer support.
