# Bullet Pay Later

**URL:** https://community.jupiter.money/t/bullet-pay-later/14601
**Category:** Feedback & Ideas
**Created:** [25 September 2021 20:35 UTC](https://community.jupiter.money/t/bullet-pay-later/14601 "2021-09-25T20:35:31Z")
**Posts on this page:** 7
**Page:** 1

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### Author: ![DudeHiman](https://sea2.discourse-cdn.com/flex020/user_avatar/community.jupiter.money/dudehiman/32/2076_2.png) [@DudeHiman](https://community.jupiter.money/u/DudeHiman)
#### Post date: [25 September 2021 20:35 UTC](https://community.jupiter.money/t/bullet-pay-later/14601/1 "2021-09-25T20:35:31Z")

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When will we get bullet access ?

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### Author: ![CarolinMerces](https://sea2.discourse-cdn.com/flex020/user_avatar/community.jupiter.money/carolinmerces/32/20885_2.png) [@CarolinMerces](https://community.jupiter.money/u/CarolinMerces)
#### Post date: [26 September 2021 03:01 UTC](https://community.jupiter.money/t/bullet-pay-later/14601/2 "2021-09-26T03:01:04Z")

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You will get access after 18th OTCB.

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### Author: ![kneelesh48](https://sea2.discourse-cdn.com/flex020/user_avatar/community.jupiter.money/kneelesh48/32/2576_2.png) [@kneelesh48](https://community.jupiter.money/u/kneelesh48)
#### Post date: [26 September 2021 05:11 UTC](https://community.jupiter.money/t/bullet-pay-later/14601/3 "2021-09-26T05:11:46Z")

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I don’t understand the purpose of Pay Later apps when we have credit cards. Anyone mind explaining?

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### Author: ![Divyaansh\_Agarwal](https://sea2.discourse-cdn.com/flex020/user_avatar/community.jupiter.money/divyaansh_agarwal/32/1792_2.png) [@Divyaansh\_Agarwal](https://community.jupiter.money/u/Divyaansh_Agarwal)
#### Post date: [26 September 2021 05:50 UTC](https://community.jupiter.money/t/bullet-pay-later/14601/4 "2021-09-26T05:50:38Z")

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Credit over UPI is more accessible and also the front end user experience might be better for some people than credit cards.

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### Author: ![goneo](https://avatars.discourse-cdn.com/v4/letter/g/e19b73/32.png) [@goneo](https://community.jupiter.money/u/goneo)
#### Post date: [26 September 2021 06:22 UTC](https://community.jupiter.money/t/bullet-pay-later/14601/5 "2021-09-26T06:22:42Z")

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@kneelesh48 No difference. But I guess getting credit over UPI might be easier for starters who do have any source of income.  
Credit is a liability, the less the better.

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### Author: ![CarolinMerces](https://sea2.discourse-cdn.com/flex020/user_avatar/community.jupiter.money/carolinmerces/32/20885_2.png) [@CarolinMerces](https://community.jupiter.money/u/CarolinMerces)
#### Post date: [26 September 2021 06:51 UTC](https://community.jupiter.money/t/bullet-pay-later/14601/6 "2021-09-26T06:51:21Z")

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I don’t have reason for using Pay Laters already I have cc but mostly I use pay Later.

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### Author: ![Aman\_Maurya](https://sea2.discourse-cdn.com/flex020/user_avatar/community.jupiter.money/aman_maurya/32/1579_2.png) [@Aman\_Maurya](https://community.jupiter.money/u/Aman_Maurya)
#### Post date: [26 September 2021 11:13 UTC](https://community.jupiter.money/t/bullet-pay-later/14601/7 "2021-09-26T11:13:28Z")

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UPI has more merchant penetration. For example I can use pay later at a small local business.

> [@Divyaansh\_Agarwal](#):
>
> Credit over UPI is more accessible