Is it safe to use flipkart pay later option?

[@noop]

need a user review for flipkart pay later option.

 

[powervgx]

All these pay later options take loan on your behalf, spoil your cibil score and create problems when you want to apply for a bank loan.

 

[enthusiast29]

Better use a no cost EMI instead.

Although I don't prefer to urge users to go for a loan/EMI when they can't afford something but still it's your personal choice.

 

[Yashas08]

Do not use Pay Later options. They paint it as a Personal loan and mess up your Cibil Scores. And we all know how long it takes to recover from a bad Cibil Score