Flipkart Pay Later Charges, Apply , Advantages & Disadvantages

bankofloan November 3, 2022 Personal Loan 13 Comments 857 Views

Flipkart Pay Later Kaise Le-: Namaskar doston swagat hai aapka hamari yad ki ek aur nai post mein jismein Aaj ham aapko Flipkart Pay Later ke bare mein batane Wale Hain. Aap mein se bahut se logon ne is card ke bare mein pahle Suna hoga ya fir jinhone nahin suna unko Aaj ham iske bare mein bataenge. Is card ke related aapko bahut se Anya sawal aapke dimag mein ghoom rahe honge jinko ham aaj ki is post mein clear karenge so please doston hamare is post ko aakhir Tak jarur dekh lena.

Is post ki shuruaat mein ham kuchh sabse important questions ke bare mein baat karenge jo ki log humse bar-bar poochh rahe hain is card ke related.

Flipkart Pay Later FAQs

Kya Flipkart Pay Later se Credit score pe Affect padta hai?

Ji han Flipkart Pay Later aapke credit score per prabhav dalta hai kyunki bahut sari pay later wali facilities ek type ka personal loan hi hoti hai. Kyunki Flipkart Pay Later IDFC Bank ke sath milkar shuru Kiya Gaya hai to Jaise hi aap koi pay later wali facility avail karte Hain to IDFC bank aapke naam per ek sal ke liye personal loan open kar deta hai. To agar to aap credit score ko Sahi rakhna chahte Hain to aapko pay later ki amount time se wapas kar deni hogi.

Flipkart Pay Later, Flipkart Pay Later EMI and Flipkart Smart Upgrade in teeno mein kya difference hai?

In different types ke card mein aapko different different limit Di jaati hai. Example ke liye jab humne ine facility ke liye apply kiya tha to hamen Flipkart Pay Later mein ₹5000 ki limit and Flipkart EMI mein ₹30000 ki limit and smart upgrade mein ₹20000 ki limit Di gai thi. Vaise to yah sari facilities pay later ke andar hi aati hai Lekin agar aap Flipkart se koi bhi saman 3,6,9 & 12 months ke liye kharidte ho to yah chijen Flipkart Pay Later EMI mein categorised Kari jayegi jis per aapko annual 22 se lekar 24% ka interested dekhne Ko milta hai.

Flipkart Pay Later mein agar aap koi bhi saman kharidte ho to agale mahine ki 1 tarikh ko Bill generate ho jata hai jisko aapko 5 din ke andar-andar bharna hota hai. Inmein aapko koi aur Anya charges bhi dekhne ko milte Hain jinke bare mein ham bad mein discuss karenge.

Flipkart smart Upgrade ek bahut hi alag type ki offering hoti hai agar baat Karen ham per later ki services ke according. Yah Flipkart Pay Later and Flipkart Pay Later EMI dono se Puri tarah se different hai.

Kya Flipkart Pay Later wali facilities sabko mil sakti hai?

No. Flipkart yah facility only Flipkart ke dwara selected kiye Gaye customers ko hi deta hai. Flipkart ke alava yah facility Myntra and Shopsy per bhi available hai. Jo bhi vyakti is facility ko leta hai use starting mein ₹5000 ki credit limit Di jaati hai. Jaise Jaise aap kharch karte rahte ho uski limit 1 lakh rupaye Tak pahunch sakti hai.

To doston yah the kuchh questions Flipkart Pay Later ke bare mein aage ab ham baat kar lete hain iske advantages and disadvantages ke bare mein.

Flipkart Pay Later Advantages & Disadvantages

Flipkart Pay Later Advantages

Sabse pahli advantages doston yah hai ki agar aap Flipkart Pay Later mein pay karna chahte hain to aap vah bahut hi jaldi bahut hi aasani se kar sakte hain. Aapko बार-बार OTP dalne ki avashyakta nahin Hoti hai. Agar aap koi order refund karna chahte hain to aapko koi jhanjhat nahin dekhne ko milega aapka vah order refund ho jaega and order ki amount aapki credit line mein tumhara se add ho jayegi.
Second advantage hai ki agar aapka credit score nahin hai nahin aapko koi CIBIL score hai ya FIR pura score hai to yah aapke liye bahut hi achcha chance ho sakta hai apna cibil score banane ke liye. Agar aapka credit score kam hai to aapko credit card milane mein dikkat a sakti hai lekin aapko Flipkart Pay Later milane mein koi dikkat nahin aaegi.
Third advantage ye hai ki aapko yhan pe kisso bhi type ke koi maintaince charge nhi dekhne ko milte hai.

Flipkart Pay Later Disadvantages

Sabse pehle agar aap is card ke dwara ₹1000 se jyada kharch karte hai, to aapko ₹15 ki usage fees deni padegi. Aapko sunane mein hi jyada nahin lag raha hoga Lekin agar aap har mahine is facility ka use kar rahe hain to yah takriban 1% ke aaspaas aapko dekhne ko milati hai jo ki thodi jyada ho jaati hai agar ham annual basis per compare Karen. Aur vahi EMI option ko avail karne ke liye aapko ek percent ki processing bhej dekhne Ko milati hai. Four example agar aap ₹15000 ki transaction karte hain to aapko 1% ki processing fees ke according ₹150 ki transaction fees dekhne ko milegi. Sabse buri baat yah hai ki agar aap apne order ko refund kar dete Hain to aapko yah Jo processing fees hai yah processing fees wapas nahin karenge. Inke alava Jaise humne aapko pahle Flipkart Pay Later mein bataya tha ki vahan aapko salana 22% -24% EMI option dekhne Ko milta hai Jo bahut jyada high hai. Inse Kahi jyada sasta to aapko ek personal loan mil jata hai Jo ki aapko salana 15% tak ki interest rate per mil sakta hai.
Flipkart Pay Later mein agar aap late payment karte ho to aapka credit score to kharab hota hi hota hai unke sath hi aapko late payment charges bhi dekhne ko milte Hain Jo ki bahut jyada hai.

For Example…

Flipkart Pay Later Late Payment Charges

Bill Amount	Late Payment Charge Amount
Rs100 – Rs500	Rs60
Rs501 – Rs1000	Rs150
Rs1001 – Rs2000	Rs210
Rs2001 – Rs4000	Rs350
Rs4001 – Rs5000	Rs475
Rs5000 & above	Rs700

Flipkart Pay Later Review | Kya Aapko Ye Facility Leni Chahiye?

Dekhiye is facility ko activate krwane ke koi paise to lgte nhi hai , So aap Ise Activate krwake Side mein takh skte ho . kabhi-kabhi inmein aapko bahut se offer and discount dekhne Ko mil jaate Hain jinko aap tab istemal kar sakte hain. Agar aap yah soch rahe hain ki aap isko regular transaction mein use kar sakte hain to is baat mein koi bhi sense nahin banta hai. Agar aap isko regular basis per istemal karne lagoge to Shayad bahut sare chances aise ban jaaye ki aap apne bil ko pay karna hi bhul jaaye. Discretech ka yah company aapka basebri se intezar kar rahi hain ki aap kab apna payment late Karen aur aapko yah company bhar bhar ke charges lagayen. Aur bhai agar aapka credit score kharab hai ya FIR hai hi nahin aur agar kharab hai to aap use credit card se bhi Sahi nahin kar pa rahe Hain to aisi sthiti mein yah aapke liye bahut hi achcha sabit hone wala hai.

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