{ "success": true, "data": { "id": 2057662, "msgid": "to-avoid-scams-here-is-the-legitimate-process-for-cancelling-a-kredivo-loan-1793098348", "date": "2026-10-27 17:08:00", "title": "To Avoid Scams, Here Is the Legitimate Process for Cancelling a Kredivo Loan", "author": "Fernan Rahadi", "source": "REPUBLIKA", "tags": "", "topic": "Finance", "summary": "The article advises Kredivo users to cancel mistaken transactions through the merchant and the platform\u2019s official customer-service channels, warning that scammers may pose as support agents to steal account credentials. It also outlines refund and credit-limit adjustments, Kredivo\u2019s registration requirements and services, while including promotional claims about its products.", "content": "

The convenience of instant financial transactions can sometimes lead\nusers to make rushed decisions, such as choosing an unsuitable\ntransaction amount or repayment period. Scammers on social media often\nexploit the resulting panic by pretending to be official support\nagents.<\/p>\n

Responding to unsolicited messages asking for account credentials\nrisks allowing someone else to take over the account. Users should not\nfollow cancellation instructions from unofficial sources, to avoid\npotential financial losses.<\/p>\n

Handling an\nOrder That Has Already Been Processed<\/h3>\n

When users realise there has been a mistake with an order, they\nshould first check their transaction history in the app. For purchases\nmade through e-commerce platforms, cancellation must first be completed\nwith the seller, and the refund must be transferred to the account\nbefore the process is considered complete.<\/p>\n

The overall cancellation request period is up to 14 days from the\ntransaction date. Users should not follow cancellation instructions\ncirculated by unofficial sources on external forums. Legitimate\nprocedures are carried out by users themselves or with guidance from\nofficial customer service via Live Chat or at support@kredivo.com.<\/p>\n

Kredivo Services and\nRegistration<\/h3>\n

The article says consumer data on the Kredivo platform is protected\nby its official licence and supervision by the Financial Services\nAuthority (OJK), which it has held since 2018. Users can choose a\n30-day, interest- and administration-fee-free buy-now-pay-later option,\nor repayment periods of up to 24 months, for purchases from tens of\nthousands of partner merchants. Credit limits reduced by a cancelled\ntransaction are automatically adjusted once the refund confirmation from\nthe merchant has been verified.<\/p>\n

Registration is conducted digitally, without a home visit, and is\nopen to Indonesian citizens aged 18\u201360 with a monthly income of at least\nRp 3 million. Applicants can download the app from Google Play Store or\nthe App Store, complete their personal details, mark their location on a\nmap, and upload their identity card (KTP) and a selfie. For a Premium\naccount with a limit of up to Rp 50 million, applicants must also\nconnect an active e-commerce account and submit a photo of their\npersonal tax identification number (NPWP); processing is said to take no\nmore than 24 hours.<\/p>\n

Keeping Digital\nFinancial Transactions Secure<\/h3>\n

Keeping one-time passwords (OTPs) and PINs confidential is essential\nto protecting financial accounts from cybercrime. Users should not trust\nthird parties promising a shortcut to cancel bills. Avoiding\ncancellation instructions from unofficial sources helps keep\ntransactions secure and under the user\u2019s control.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/to-avoid-scams-here-is-the-legitimate-process-for-cancelling-a-kredivo-loan-1793098348", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }