Is it safe to use flipkart pay later option?

@noop

Recruit
need a user review for flipkart pay later option.
 

powervgx

Adept
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

Skilled
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.
 
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Yashas08

Recruit
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