Great threadโฆIn fact, everyone should be aware of this.
From my experience, the pay later service of Mobikwik called โZipโ is the worst.
Nice thread @nareshk !
Thanks for starting this 
Do share which BNPL you prefer using at the moment and why? Whatโs that one feature you liked the most, your experience, share something that youโd like to have on Edge too if possible 
For my BNPL experience, Iโve used PayTm PostPaid. I was bombarded with random icons and things to click on at first. Used it only for 1-2 months though.
Thanks! It was @Binoy who shared the avatar generator with me 
This was the site - https://getavataaars.com
If anything, itโs the BNPL space that demands the RBI regulation ASAP. Yeah, much before crypto Iโd say.
BNPL right now is a smoke screen with less clarity and much to hide 
Yo! Their random button is super fun. Try it 
Heads-up: Try this premium pack for 3D Avatars- Download 3D Avatar illustrations library
Recently Tried MoneyView Platinum Card for some internal reason Got enough limit more than a credit card. Till now its good because my friend also take this he has premium credit cards.
And I mean not 1 crore limit 
I am using
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LazyPay
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Jupiter Edge
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Postpe
Also, I have Moneyviewโs Advantage Card and Kreditbee Card.
Lazypay is the first BNPL service I used and still, itโs my favourite one. Lazycard, 30 days billing cycle, Scan and Pay feature and UPI feature make it popular.
The only service I didnโt like is Mobikwikโs Zip. Recently, the limit was blocked by them citing some โrisk policyโ. When enquired about this, they told me it was some technical issue and my name was listed as โdefaulterโ without making any delay. So even after 15 days, they couldnโt sort it out. So made the request to close that service.
I was interested in bullet when I heard they donโt report to any credit bureau but it seems JE is doing it. Iโm not interested in other BNPL.
@razack Yup Zip & Flipkart both given me limit โน4000 & โน60,000 respectively through their Lending partner โ IDFC first Bank โ .
I always paid before due date , they mentioned in credit score many time as " Outstanding etcโ .
I made multiple reports & closed both account because my CIBIL went to โน748 which is now 777 .
Dear @Roshan Bro,
Exactly these two pay later services caused trouble for me. First, it was Flipkartโs Pay Later where I got only a 3000 Rs purchase limit. For the last 2.5 years, it is showing as โblockedโ. whenever I write to Flipkart, I am getting the same copy-paste message saying it operates under limited capacity due to some covid issues.
How do you close these services? If possible, kindly tell me the procedure to close both services. It is affecting my credit score.
@razack sure bro.
To close Zip thereโs 2 method -
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Call Mobikwik Customer care directly ( and say I wish to close)
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Mobikwik >> hep & support >>Zip >> how can I close Zip >> I want to close.
To close Flipkart -
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Call Customer care & Ask for NOC if account is closed , if not request to close .
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Email to customer care
If youโve low credit score/ or not increasing . Take one Secure Credit Card ( 2K FD minimum)
Dhani One Freedom is biggest fraud in BNPL space.
@maulik_satasiya
I applied for it a few months back and after reading the numerous negative comments, I didnโt complete the application process. Only Negatives everywhere 
Thanks a lot, brotherโฆ
Yep, recently I took the paisa bazaar secured card for a 2k FD. Hope the credit score gets an increase.
For me, if we can bring features of BPNL to a credit card itโs worth doing that. Credit cards are more regulated and have strict rules.
Is it for real? I guess if you default a payment then it might be reported. Isnโt it? It is a rule.
If you request them then they wonโt report it.