How to Close Flipkart Pay Later Account - Step by Step

Flipkart Pay Later is a convenient and flexible payment option that allows you to buy products from Flipkart and pay later within a period. However, there may be some reasons why you may want to close your Flipkart Pay Later account, such as:

• You no longer use or need the service
• You want to avoid overspending or debt
• You are not satisfied with the service or the terms and conditions
• You have found a better alternative or offer

Whatever the reason, closing your Flipkart Pay Later account is not a difficult or complicated process. In fact, it is quite simple and effective, and can be done in a few steps. In this article, we will show you how to close your Flipkart Pay Later account.  

By the end of this article, you will be able to close your Flipkart Pay Later account with ease and confidence.

How to Close Flipkart Pay Later Account

Before you proceed, there are some things that you need to keep in mind:

• You can only close your Flipkart Pay Later account once. Once you close your account, you cannot reopen it or apply for the service again. Therefore, you need to be sure that you want to close your account and that you do not need the service anymore.
• Upon requesting the closure of your account, you can expect to receive a No Objection Certificate (NOC) from your Flipkart Pay Later lending provider (IDFC First Bank) within 2-3 weeks. In case you do not receive it, feel free to inquire through the Flipkart help center.

There are total two methods available to close your Flipkart pay later account you can request Flipkart support to disable your Flipkart pay later IDFC bank loan account or you can directly contact with IDFC bank customer care. Either of these two methods will work. However, there is another way other than these by submitting complaints to RBI Ombudsman, we are not suggesting you that as that might be a lengthy process.

Method 1: Through Flipkart Support

Step 1: Login in Your Flipkart Account

Open the Flipkart app or website on your device and log in to your account.

Step 2: Open Flipkart Help Center

Now open Flipkart help center from the three dot menu by clicking on "24x7 Customer Support" or you can open directly by clicking here. 

On the help center page, find “I want help with other issues” option. 

Click on it and then select “others” from the bottom of the list. Again click on “others” in the drop-down. You will find the callback option.

Step 3: Request Support Team to disable your Flipkart pay later account

You'll get a call in your phone number within 5-10 minutes upon callback request. Request them kindly to deactivate your Flipkart Pay Later IDFC bank account. Specify your need of a permanent closure instead of temporary deactivation or pause to them.

Send Email to Flipkart Support

You can also send email to Flipkart support team directly concerning them with your request for the closure of your Flipkart pay later account at "cs@flipkart.com". Make sure that you clearly request for the closure of you Flipkart pay later account in email subject.

Closure Timeline

Following your conversation or call, your closure request for the Flipkart Pay Later account will be in progress throughout the next month. Keep some patience, as the closure status will be reflected as "closed" on your CIBIL report, typically within the span of 2-3 months.

Method 2: Contact with IDFC First Bank Customer Care

You can contact directly with IDFC First bank customer care and request them to closure your IDFC bank loan account which is linked with your Flipkart pay later account. They will ask you for your loan account number. However, if you don't have your loan account number, you can provide them your name, phone number and birth date so that they can match your loan account number. 

After that, they will be able to close your loan account and your loan account will be closed with 08 working days. 

IDFC First bank contact number is "1860-500-9900". You can also mail them directly with your request at "PNO@idfcfirstbank.com".

FAQs

Here are some of the frequently asked questions about Flipkart Pay Later and how to close the account, along with the answers:

What is Flipkart Pay Later and how does it work?

The Flipkart Pay Later EMI pre-approved credit is a quick and easy way to buy things. You don't have to wait for a long time for approval. It also gives you access to the Flipkart Smart Upgrade Plan. With this, you can shop throughout the month and pay for everything in one bill. If you cancel an order or return a product, you get your money back right away.

What are the drawbacks of Flipkart Pay Later?

Flipkart Pay Later also has some drawbacks for the users, such as:

• It is limited and restricted, as you can only use it to buy products from Flipkart and not from any other platform or merchant.
• It is risky and liable, as you have to pay the full amount by the due date or face penalties and legal actions.
• It is irreversible and final, as you cannot reopen or reapply for the service once you close your account.
• It is addictive and tempting, as you may end up overspending or buying unnecessary products that you do not need or want.

How to Avail Flipkart Pay Later Pre-approved Credit?

To use Flipkart Pay Later EMI, just go to the product page you want. Click 'buy now' and choose 'Flipkart Pay Later EMI' on the next page. Pick the payment plan that works for you, and then confirm your purchase by entering the OTP you receive. That's it – your purchase is complete without any hassle.

How to Check How Much Credit Left for My Account?

To check how much credit you have, go to 'My Account' and look for the 'Pay Later' section. There, you can see your total credit limit, bills due, available credit limit, and how much you've used this month.

Closing your Flipkart Pay Later account can be easily accomplished through either requesting Flipkart support channel or by directly contacting IDFC First Bank customer care. Before initiating the closure process, ensure that you have settled any outstanding dues on your account. 

Remember that the closure is permanent, and once completed, you won't be able to reopen the account or apply for the service again.