If you’re a regular Flipkart shopper and have used the Flipkart Pay Later feature, you might wonder how to close it permanently. Flipkart Pay Later allows users to pay monthly for their purchases, simplifying transactions. However, this feature is only available to eligible users. If you’re no longer using it or want to close the account for any reason, follow this guide to deactivate your Flipkart Pay Later account.
Reasons for Closing Flipkart Pay Later
There are several reasons why users may choose to deactivate their Flipkart Pay Later accounts:
- Maintaining CIBIL Score: Avoiding negative credit impacts due to missed payments.
- Switching Payment Methods: Opting for other convenient payment options.
- Excessive Shopping: Struggling to manage monthly payments.
Steps to Permanently Close Flipkart Pay Later
1. Log in to Your Flipkart Account
Access your Flipkart account using your registered email or phone number and password.
2. Visit the Flipkart Help Center
Once logged in, navigate to the Help Center via the profile icon located in the top right corner.
3. Select the ‘Chat’ or ‘Callback’ Option
- Go to ‘I want help with other issues’ and select ‘Others’ from the dropdown menu.
- Tap on ‘Others’ again, and you’ll find the option to request a callback.
4. Request a Callback
- Request a callback from the Flipkart support team.
- During the call, ask the representative to permanently close your Flipkart Pay Later account linked to IDFC First Bank.
- Clearly specify that you want the account closed, not temporarily deactivated.
5. Closure Timeline
After the request, Flipkart will begin the closure process, which typically takes up to one month.
- The account will reflect as ‘Closed’ on your CIBIL report within 2-3 months.
Alternative Method: Send an Email Request
You can also request account closure via email:
- Compose an email using your registered email address.
- Send it to cs@flipkart.com with the subject line: “Flipkart Pay Later Closure Request.”
- Clearly state your account closure request and provide your Flipkart account details.
Example Email Format:
vbnetCopy codeSubject: Flipkart Pay Later Closure Request
Dear Flipkart Support,
I would like to request the permanent closure of my Flipkart Pay Later account linked to IDFC First Bank. Kindly assist me in completing this process.
Thank you,
[Your Full Name]
[Registered Email/Phone Number]
Additional Support: RBI Ombudsman
If you face issues during the closure process, you can escalate the matter to the Reserve Bank of India’s Ombudsman, which handles complaints related to financial services. Be prepared with all relevant account details and documentation when filing your grievance.
Things to Keep in Mind Before Closing Your Account
- Clear All Outstanding Dues: Ensure all pending amounts are paid to avoid complications.
- No Objection Certificate (NOC): You’ll receive an NOC from IDFC First Bank within 2-3 weeks of account closure. Follow up with Flipkart if you don’t receive it.
- Irreversible Action: Once closed, you cannot reapply for Flipkart Pay Later.
Closing your Flipkart Pay Later account is a significant decision, especially if it affects your CIBIL score. This guide provides all the essential steps to ensure a smooth closure process. For further assistance, visit the Flipkart Help Center or contact customer support directly.