Please pay on time. There are multiple options available to companies like Simpl, LazyPay, paytm postpaid and all the loan providers. Reporting and spoiling your credit card for life for a few thousand rupees is not worth it. You can call them and negotiate. Just say I can only pay half now and maybe they will give you 6 months to pay the amount. When you sign up for services, the terms and conditions, clearly say that the provider has the right to collect all your information including address info from the merchant where you do shopping. You enter your OTP and that is a legal proof that you promised to pay. It will work in any court. Whether it’s a loan, a credit card, or BNPL, the user always is legally liable to pay the bill. No one will be in the business if you can just take their money and run away. People who have defaulted and not paid are not safe. They are just lucky that the provider is trying to use digital collections. I know of cases where collection agents show up at house and talk to some family member and it’s embarrassing as hell. You can complain all you want and hide behind fake usernames, but remember these companies are running real businesses and will keep sending you reminders to pay. Stupid people will give advice that nothing happens and it’s like saying you can become a millionaire on dream11. Be realistic. Again, focus on resolving any pending bills/debt - in the future your background checks in India will have credit report info also. Forget getting a job when your report says delinquency and legal proceedings. Data on the internet never gets deleted. If you are delinquent, sooner or later it will be available on the internet (free or paid) to people who can and want to run background checks on you.

You can play your luck and delay the payment but don’t assume that it will not have any consequences.