We will organize information related to Naver Pay deferred payment subscription subscription.
If you have a credit card, you can use the installment payment service when paying.
When you buy an expensive product, you choose a period of 3 months or more than 6 months and pay it back in installments. 네이버페이 후불결제 즉시납부
When I went to a furniture store and bought a bed, a sofa, and a lot of things, I remember paying about 6 million won in 6 months.
However, these installments are only available to those with a credit card.
Job seekers or housewives who cannot make cards can only buy things with the money they have. 윤과장의 소소한 일상 이야기
It is said that the way to pay in arrears through Naver was launched for those who cannot make a credit card.
Koreans over the age of 19 can apply, shop up to 300,000 won without any annual fee or commission, and then pay the amount on the designated payment date next month.
Even if you don’t have cash right now, you can buy the things you need, so if you sign up in many ways, you can use it usefully.
A few advantages
The biggest advantage is that there are no annual fees or fees.
Signing up does not affect your credit score separately, and when the payment is due, it is automatically withdrawn from the designated account, so you don’t have to worry as long as you put money in the account.
You can select the payment date from May, 15th, or 25th, so you can choose a payday or a date that is convenient for you.
I set it to the 25th because the money comes in at the end of the month.
I set it up after the payday, so when the salary comes into the account, I set it up so that it goes out on its own.
The maximum limit is 300,000 won, but not all of them come out to 300,000 won.
At first, I was up to 200,000 won, but as I used it often, it increased to 300,000 won.
Every time you use it, you can earn 1% points, receive a cash receipt and receive an income deduction, and it was convenient because you can use it anywhere at Naver Shopping affiliated stores.
These days, most of them can be purchased at smart stores, so I think it’s an advantage that there are many franchises.
And there is also a way to pay immediately before the due date after using it.
There was also a story that if you press the immediate payment, automatic withdrawal will be made from the registered account, and if you use the immediate payment frequently, it is judged that you are a customer with high credit and the limit goes up quickly.
A few downsides
It was a bit disappointing that I had to pay the amount I used this month on the specified date next month, rather than paying it off in several months like a credit card.
It is not an installment payment, but an immediate payment or a lump sum payment on a specified date, so you can understand that it is a service that earns a period of about one month.
Overdue may occur during use, but in that case, the service will be stopped once and a fee of 12% per annum for the overdue principal will be applied.
This is also a type of credit loan, so if overdue for more than 5 business days from the payment date, overdue information is provided to the personal credit rating agency, and records may be kept for a certain period of time even if the overdue amount is paid.
In case of overdue for a long period of time, collection may be carried out under consignment management by a debt collection company.
It is said that dunning is done over the phone, and if the case is prolonged, it can lead to lawsuits.
If you have credit problems, you need to be careful because you may be at a disadvantage when you borrow money or make a card later because you need a loan.
finish
Signing up is simple.
When you log in to Naver and enter the page, you will see a ‘Sign up’ section in the bottom left corner.
However, not everyone can use it, and you will be notified of the results of whether or not you can use it through a simple screening.
These days, the screening has become very strict, so you may not be able to sign up easily.
Today, I briefly talked about registering for arrears in Naver Pay deferred payment.
It’s not a very difficult method, so once you try it, you’ll know what kind of service it is.
Please do not overpay and be careful not to lead to reckless consumption.