If you sign up for the check card “small credit limit” additional service, you can make credit payments of up to 300,000 won even if the connected bank account balance is insufficient.
네이버페이 후불결제
(Depending on your credit rating, you may be granted 300,000 won, or less, or may not be granted at all.)
You can only apply for a small credit limit from up to two credit card companies.
But what should I do if both applications have been applied?
Of course, you cannot apply for small credit limit services from other card companies.
Although credit card companies are not available, you can additionally use Naver Pay’s postpaid payment.
Not everyone can sign up for Naver Pay postpaid payment, but only adults over 19 years of age.
(If check card small credit limit is rejected by all card companies, Naver Pay deferred payment application is not possible)
If you are eligible, the “Postpaid Payment” menu will appear in the Naver Pay app, and you can apply as follows.
Run the Naver Pay app and touch the menu button at the top right.
Next, touch “Postpay”.
Like the small credit limit, Naver Pay deferred payment is available up to 300,000 won, and the application itself does not affect your credit score.
Touch “Apply in 30 seconds and use right away” at the bottom to proceed to the application stage.
There is no annual fee, no interest, and year-end tax deductions.
(General income deduction rate is 30%)
-. (Like credit card and check card payment dates) Payment dates can be selected on the 5th, 15th, or 25th of each month.
-. You can pay later by using all of your Naver Pay points!
Select the email address to receive the invoice, payment date, and payment account.
Usage date by payment date
If the payment date is the 5th of each month, from the 21st of the previous month to the 30th of the previous month,
15 days from the 1st of the previous month to the last day of the previous month
The 25th is from the 11th of the previous month to the 10th of the current month.
Example) If the payment date is September 25th, the amount paid in arrears from August 11th to September 10th will be charged.
I thought 300,000 won would be granted, but it appears that only 200,000 won was granted because a small credit limit was applied for with another card company.
For reference, in case of late payment, use of the deferred payment service will be suspended and a late payment fee of 12% per year (0.0328% per day) of the overdue principal will be charged.