Naver Pay postpaid payment usage guide (from subscription to delinquency and cancellation)
There are many people who use Naver Pay postpaid payment. 네이버페이 후불결제 해지
There are often inquiries about late payments during intellectual activities, and when I write answers, it seems that some people think lightly about late payments.
I don’t know if it’s because the amount is not large, but at some point, the delinquency, which is a small amount at first, ends up being reversed, and in the end, you become a credit delinquent. 윤과장의 소소한 일상이야기
Since deferred payment is a system that uses your credit as collateral, you must adhere to the payment date no matter what.
Deferred payment is within the approved amount (maximum 300,000 won).
This month, you purchase the items you need at Naver Pay, and withdraw money from the designated account on the next month’s payment date (the 5th, 15th, or 25th, which you choose when signing up).
Therefore, you must maintain a bank account balance greater than the amount used one day before the payment date.
Sign up for postpaid payment
Anyone 19 years of age or older can sign up.
You must apply for postpaid payment on Naver Pay Mobile.
“Naver Pay main > All menus in the upper right (3 horizontal lines) > Postpaid payment”
Simply agree to the terms and conditions, select a payment date, and the amount used is determined based on your credit rating.
You can use it as a postpaid payment at Naver Pay affiliated stores.
There are no annual fees or commissions, and there is also a 1% savings benefit of the payment amount.
Use postpaid payment
To use it online, select deferred payment in the payment method tab on the order page.
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When the payment date arrives, the money will be automatically withdrawn from your registered account.
If your balance is insufficient, partial withdrawals will not be possible, so you must fully replenish your account balance as soon as possible.
After the payment date, withdrawals will be attempted from other accounts registered with Naver Pay in your name.
Deferred payment delinquency
If the deferred payment amount is overdue for more than 2 months, the relevant page will be exposed and orders using Naver Pay will not be available.
After 5 business days from the payment date, delinquent information is provided to the personal credit rating company and management begins.
In other words, your delinquent information is registered with the personal credit rating agency.
Even if you pay the delinquent amount afterward, a record of delinquency will remain during the period of mourning, which may result in your credit being penalized.
If the payment is overdue for a long period of time, legal action such as a payment order or lawsuit will be taken through a debt collection company.
As mail and related phone calls arrive at your home, problems begin to arise in your social life.
If you go any further, your use of financial institutions may be restricted or you may be subject to measures such as seizure.
Overdue interest is 12% per annum (0.0328% per day) of the principal amount.
If you wish to pay part of the overdue amount or make a partial payment, you can do so by receiving guidance from Naver Pay Customer Center.
Cancel postpaid payment
As with other services, the button to cancel postpaid payment is completely hidden.
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On the Naver Pay main page, click “All Menu (3 horizontal lines) > Postpaid Payment” in the upper right corner to check your postpaid payment details.
Here, click “Usage Guide” in the upper right corner and there is a “Cancel Postpaid Payment” button at the bottom of the User Guide page.