If you’ve been utilizing Flipkart Pay Later for your online shopping needs and now find yourself in a situation where you want to permanently close your account, you’ve come to the right place. Here I will tell you about “How to Close Flipkart Pay Later Account Permanently”.
Flipkart Pay Later is a convenient payment option that allows you to pay for your purchases on a monthly basis, avoiding the hassle of making a transaction every time you shop on Flipkart.
However, there could be various reasons why you might want to close your Flipkart Pay Later account, such as managing your CIBIL score, switching to a different payment method, or controlling excessive shopping habits.
How to Close Flipkart Pay Later Account Permanently
In this comprehensive guide, we will walk you through the steps to deactivate your Flipkart Pay Later account permanently. So, without further ado, let’s get started!
1. Login To Your Flipkart Account
The first step is to log in to your Flipkart account. Make sure you have your login credentials, including your email/phone number and password, at hand. Use these to access your account.
2. Go to the Flipkart Help Center
Once you’ve successfully logged in, navigate to the Flipkart Help Center. You can usually find an icon that represents you, typically located in the upper right corner of the page. Click on it to proceed.
3. Locate the ‘Chat’ or ‘Callback Option’
This step is crucial in the process of deactivating Flipkart Pay Later. Within the Help Center, look for the “I want help with other issues” option. Click on it and then select “others,” which you’ll find at the bottom of the list. You’ll see the callback option there.
4. Request a Call Back
After selecting the callback option, you’ll receive a call from a Flipkart customer representative within 5 to 10 minutes. When you’re connected, politely ask the support team to assist you in permanently closing your Flipkart Pay Later account, instead of merely deactivating or pausing it temporarily.
5. Account Closure and Timeline
Once you’ve completed the conversation or call, your account will begin the closure process, which typically takes about a month to complete. Be patient during this period. Your account closure will eventually be reflected on your CIBIL report as “closed,” usually within 2-3 months.
6. Send an Email for Closure Request
If, for any reason, you’re unable to close your account using phone support, you have the option to send an email to “Cs@flipkart.com” from your registered email address, requesting account closure. Make sure to clearly state your account closing request in the email subject, for example: “Flipkart Pay Later Closure Request.” You can follow an example email format, like the one below:
Subject: Flipkart Pay Later Closure Request
Dear Flipkart Team,
I am writing to request the permanent closure of my Flipkart Pay Later account. Please assist me in this matter.
Thank you for your prompt attention to this request.
Sincerely,
[Your Name]
After sending the email, you can expect to receive a reply through email or a call from one of Flipkart’s representatives. Keep in mind that using email is an alternative method, and it doesn’t guarantee an immediate response or account closure.
7. Try Contacting RBI Ombudsman
In the event that you encounter difficulties or require additional assistance in closing your account, you can turn to the Reserve Bank of India’s Ombudsman. They are available to address complaints and concerns related to financial services, including your Flipkart Pay Later account. To make your grievance redressal request, ensure you gather all relevant information before contacting the Ombudsman.
Things to Remember Before Closing Your Account
- Clear all outstanding dues before closing your account to ensure a smooth closure process.
- Following your account closure request, 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.
- Be aware that closing your Flipkart Pay Later account is an irreversible decision. Once closed, you won’t have the option to reapply for Flipkart Pay Later.
What Happens to My Outstanding Balance?
If you have an outstanding balance on your Flipkart Pay Later account when you close it, you will still be responsible for paying off that balance. You can continue to make payments on your outstanding balance using any other payment method, such as a debit or credit card.
Conclusion
Closing your Flipkart Pay Later account might seem like a straightforward process, but it’s a decision that comes with important considerations. We hope this guide on “How to Permanently Close Your Flipkart Pay Later Account” helps you successfully close your account and manage your finances effectively.
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