If you’re a frequent shopper on Flipkart and have opted for the Flipkart Pay Later option, you might be wondering how to close this account. Flipkart Pay Later allows customers to make purchases and pay at a later date, offering flexibility with monthly payments. However, it’s only available to eligible users, and if you no longer want to use this service, this guide will help you permanently close your Flipkart Pay Later account.
Whether you want to protect your CIBIL score, switch payment methods, or limit your spending, closing this account can be a good decision. Here’s everything you need to know about deactivating Flipkart Pay Later and ensuring it reflects on your credit report.
Steps to Close Flipkart Pay Later Account
- Log Into Your Flipkart Account To start, you’ll need to log in to your Flipkart account using the email or phone number you initially registered with, along with the correct password.
- Navigate to the Flipkart Help Center Once logged in, head over to the Flipkart Help Center. You can find it by clicking on the account icon, usually located in the top-right corner of the screen.
- Choose the ‘Chat’ or ‘Callback’ Option In the Help Center, select the option for “I want help with other issues.” From the list, choose “Others” at the bottom. Select “Others” again in the drop-down, where you’ll be given the option to request a callback.
- Request a Callback Once you request a callback, a Flipkart representative will contact you within 5 to 10 minutes. Politely ask the customer support team to help you permanently close your Flipkart Pay Later account with IDFC First Bank. Ensure you clarify that you want it permanently closed, not just deactivated or paused.
- Wait for Account Closure After speaking to the support representative, your account will be scheduled for closure. The process generally takes a month, and it should be reflected as “closed” in your CIBIL report within 2-3 months.
Alternative Method: Email Request for Closure
If you’re unable to complete the steps through the Help Center, you can send an email to Cs@flipkart.com using your registered email address. Use a subject line like “Flipkart Pay Later Closure Request” and clearly state that you wish to close your account.
Here’s a sample email format:
Subject: Flipkart Pay Later Closure Request
Body: Dear Flipkart Team,
I would like to request the permanent closure of my Flipkart Pay Later account. My account details are as follows:
- Registered Email:
- Registered Phone Number:
Please proceed with the account closure and confirm once it has been done.
Thank you, [Your Name]
Please note that email requests may not always be addressed immediately. If you prefer faster processing, follow the steps via the Help Center.
What to Do if You Don’t Receive a Response
If you don’t receive a response or your account is not closed after following the steps above, you can raise the issue with the Reserve Bank of India’s (RBI) Ombudsman. The RBI Ombudsman deals with financial complaints and can help resolve issues related to your Flipkart Pay Later account. Ensure you have all relevant information ready when submitting your complaint.
Things to Keep in Mind Before Closing Your Flipkart Pay Later Account
- Clear Any Outstanding Dues: Ensure that you’ve paid off all pending amounts before closing the account to avoid any complications.
- Request a No Objection Certificate (NOC): After your account closure is processed, you should receive a No Objection Certificate (NOC) from IDFC First Bank within 2-3 weeks. If you don’t, contact the Flipkart Help Center.
- Irreversibility: Once your Flipkart Pay Later account is closed, it cannot be reopened. Keep this in mind before making the final decision.
Conclusion
Closing your Flipkart Pay Later account can be a smart move, especially if you’re looking to manage your finances better or switch payment options. By following the steps outlined in this guide, you can ensure a smooth and successful account closure process.
Frequently Asked Questions (FAQ) for Closing Flipkart Pay Later Account
1. What is Flipkart Pay Later?
Flipkart Pay Later is a payment option that allows eligible customers to purchase items on Flipkart and pay for them at a later date, either monthly or at the end of the billing cycle.
2. How do I know if I am eligible for Flipkart Pay Later?
To check your eligibility, log in to your Flipkart account, go to your profile, and check if the Pay Later option is available under payment methods.
3. Why would someone want to close their Flipkart Pay Later account?
Common reasons include managing spending, switching to different payment methods, concerns about credit scores, or not needing the Pay Later option anymore.
4. How do I permanently close my Flipkart Pay Later account?
You can close your account by following these steps:
Log in to your Flipkart account.
Navigate to the Flipkart Help Center.
Select the ‘Chat’ or ‘Callback’ option and request customer support to close your Pay Later account permanently.
5. Can I send an email to request account closure?
Yes, you can send an email to Cs@flipkart.com with a subject like “Flipkart Pay Later Closure Request.” Include your account details and request for permanent closure.
6. How long does it take to close my Flipkart Pay Later account?
The closure process typically takes around one month, and it may take 2-3 months for it to reflect as “closed” on your CIBIL report.
7. What happens if I don’t receive confirmation of my account closure?
If you don’t receive confirmation or a No Objection Certificate (NOC) within 2-3 weeks, contact Flipkart’s Help Center to inquire. Alternatively, you can file a complaint with the RBI Ombudsman if the issue persists.
8. Will closing my Flipkart Pay Later account affect my CIBIL score?
Closing the account will not negatively affect your CIBIL score as long as all outstanding dues are cleared before closure. The account closure will be marked as “closed” in your credit report.
9. Can I reopen my Flipkart Pay Later account after closing it?
No, once the account is permanently closed, it cannot be reopened. This process is irreversible.
10. Do I need to clear all dues before closing my account?
Yes, all pending payments must be cleared before you can request to close your Flipkart Pay Later account. Failure to do so may result in delays or complications.
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