By Anil Patil
Using Postpaid for a long time can increase your chances of getting Delite Upgrade through your better usage record.
Paytm Postpaid offers a Rs 60,000 Buy Now Pay Later Loan (Credit) with no credit check. Of course, its popularity is growing rapidly, but Paytm Postpaid users consider upgrading as soon as they understand the difference between Lite and Delight.
Timely repayments is not just helps to increase your credit score but it can helps to upgrade Delite as well as paytm postpaid credit limit. So always pay your Bill Due on time which is generated on 1st of every month.
If you have been using Paytm Postpaid Lite Account for more than a year and have made all your payments on time, then your Cibil Score will be positively affected. Apart from this, you will find it easier to maintain.
Recently many people have successfully moved forward in transferring Paytm Postpaid Credit to the bank but BNPL (Buy Now Pay Later) facility is made available for purchases, recharges and online payments at other merchants.
Many times Paytm gives Postpaid Pre-Approved or Limit Increase offer which you should accept, doing this makes it easier to upgrade the account.
If your account is not upgraded even after using and paying Paytm postpaid for a long time, then you can inform on Paytm's Official Channel / Social Account.
If your account status and limit does not increase even after following all the points, then you can contact Help and Support by going to Paytm App. In which you will be told necessary information about Paytm Postpaid Lite to Delight Account Status.
According to Paytm Postpaid Support Team, Lite Account can be upgraded by making regular spends and on time repayments, using BNPL Credit properly and maintaining Standard Cibil Score can helps to Upgrade. Apart from this, Paytm is only a platform for providing loan facilities to its users, while the lender decides Paytm Postpaid Lite to Delight Upgrades.
Basically, Paytm charges its customers convenience charges on Postpaid Credit depending on the account status and daily spends, which can generally be zero on Delite Account, 1% to 3% on Lite and Elite accounts.