If you’re a frequent Flipkart purchaser who had opted for the Flipkart Pay Later payment option, you might be looking for ways how to close Flipkart Pay Later. It is a popular option for people who want to pay monthly for their shopping and avoid making a transaction every time they purchase something from Flipkart.
However, this option is currently available to eligible customers only. So if you’re not using this option, you can first check your eligibility by going to your Flipkart profile
Flipkart offers the pay later option through IDFC First Bank Ltd. You can also check it in your CIBIL profile by going to the active accounts. In this important blog, we’ll tell you exactly how to deactivate Flipkart pay later account.
How to Close Flipkart Pay Later Permanently
There are several reasons people close their pay later account, including CIBIL score, switching to a different payment method, and yes, inability to pay monthly payments due to excessive shopping. Many people struggle to find Flipkart pay later deactivate option. You can follow the following steps in order to permanently close your Flipkart Pay Later:
1. Access Your Flipkart Account
First of all, you’ll need to log into your Flipkart account. Remember the email/phone number and password combo you used to create it? Log in to your account using that.
2. Go to the Flipkart Help Center
Now that you’re in, let’s head over to the Flipkart helpcenter. Look for a little icon that’s all about you – usually, it hangs out in the upper right corner.
3. Locate the ‘Chat’ or ‘Callback option’
This is probably the most important step in how to deactivate pay later in Flipkart. On the help centre page, look for the “I want help with other issues” option. Tap on it and then go to “others” which you will see at the bottom of the list. Again tap on “others” in the drop-down. You will now see the callback option.
4. Request a Call Back
You will receive a call from a Flipkart customer representative within 5 to 10 minutes upon callback request. Politely ask the support team to help you disable your Flipkart pay later IDFC bank account. Make sure you ask them to permanently close your account instead of deactivating or pausing it temporarily.
5. Account Closure and Timeline
After you’ve had the chat or call, your Flipkart Pay Later account will be in the process of closing over the next month. Be patient! Soon enough, this closure will be noted on your CIBIL report as “closed,” usually within the following 2-3 months.
Send Email for Closure Request
Alternatively, if you still don’t figure out how to close Flipkart pay later, you can send Flipkart an email using your registered email to “Cs@flipkart.com” requesting the account closure. Make sure you clearly mention your account closing request in the email subject, for example: “Flipkart Pay Later Closure Request”.
Following is an example of an email format that you may follow:
After you send them an email, one of their representatives will either reply to you through email or call you on your registered phone number. Remember, sending email is an alternate method so it doesn’t always guarantee that you will get a reply or your account will be closed. If you want to know how to disable Flipkart pay later, prefer the first method of contacting the help center.
Try Contacting RBI Ombudsman
The Reserve Bank of India’s Ombudsman is there to address complaints and concerns related to financial services, and that includes your Flipkart Pay Later account. You can submit your issue to them and explain the situation and the steps you’ve already taken.
Just remember to equip yourself with all the relevant information before making your grievance redressal request before the ombudsman.
Things to Remember Before Closing Your Flipkart Pay Later Account
- Clear all outstanding dues before closing your Flipkart Pay Later account to ensure a smooth closure process.
- After requesting account closure, you will receive a No Objection Certificate (NOC) from your Flipkart Pay Later lending provider (IDFC First Bank) within 2-3 weeks. If you don’t receive it, don’t hesitate to inquire about it through the Flipkart help center.
- Keep in mind that closing your Flipkart Pay Later account is irreversible. Once closed, you won’t have the option to reapply for Flipkart Pay Later.
Closing your Flipkart Pay Later account might seem like a small step, but it’s a decision that comes with important considerations. We hope this guide on “how to close Flipkart Pay Later” helps you close your account successfully.
