Practical Steps to Close Your Kredivo Account After All Bills Are Settled

Paylater applications like Kredivo are often a mainstay for shopping needs. From urgent matters such as buying phone credit, paying electricity bills, BPJS, postpaid, water utilities, to internet, everything can be done through one application and paid for the following month. Not to mention the ease of shopping at thousands of online and offline stores using a barcode scan or QRIS system, plus the KrediFazz cash loan option which can be disbursed repeatedly with various installment tenor choices ranging from 1, 3, 6, 12, to 24 months. With a multi-layered protection system that safeguards personal data, this application is indeed very practical for managing monthly expenses.

However, there are times when someone feels their shopping needs are over and wants to tidy up their phone’s contents. After all bills are paid in full, officially deleting the account becomes a sensible choice so that data is not stored in an application that is no longer in use.

For those who want to know how to delete a Kredivo account correctly until it is successful, here are practical and safe steps that can be followed immediately.

Ensure the Limit Has Fully Returned

Before submitting a closure request, one thing that must be checked is the limit status within the application. All existing limits, whether for a one-month tenor or long-term installments, are actually interconnected. So, every time there is a transaction, the limit amount in other tenors will be affected.

When wanting to close an account, ensure there are no pending payments or ones that have only been partially paid. For pay-in-one-month transactions, the limit will fully return within 1x24 hours after settlement. Meanwhile, for installment tenors, the limit will only return 100 percent after the final installment is paid in full. If the application dashboard already shows zero and the limit has returned to its original state, the account deletion process can proceed immediately.

Prepare Identity Documents for Validation

As an official and secure application, the account closure process requires data verification to ensure that the requester is the original owner, not someone else misusing the account. The documents that need to be prepared are the same as when initially registering, namely:

• An original, clearly legible Identity Card (KTP).

• A recent selfie photo to match the face with the KTP photo.

The customer service team will check this data along with the account history to ensure there are no hidden bills remaining before the account is officially deleted permanently.

Official Channels for Closing an Account

It is important to remember that simply deleting the application (uninstalling) from the phone does not automatically remove the account from the system. The account data and contract will remain active in the database. To close it permanently, choose one of the following official communication channels:

• Live Chat Feature in the Application: This is the fastest method. Open the application, go to the ‘Account’ menu, then select ‘Help Centre’. There, use the Live Chat feature to chat directly with a customer service officer. Submit a request to close the account permanently so the officer can immediately check the bill status and process it on the spot.

• Sending an Official Email: If you prefer writing, send a request email to support@kredivo.com using the email registered in the application. Write the subject ‘Request for Permanent Account Closure - [Full Name as per KTP]’. In the email body, state the reason for closure (for example, wanting to change to a new phone number or no longer using the service) and attach a clear photo of your KTP to speed up the verification process.

• Call Centre Call: For those who want instant confirmation without typing, call the official telephone line at 0804-1-573348. Call during operational working hours so the officer can immediately validate identity data and change the account status to permanently closed that same day.

This data closure checking process usually takes a maximum of 1x24 hours after the request is received. If the account status has been officially closed from the system, personal data will be securely deactivated. This correct closure step provides greater peace of mind, and if the flexible shopping service is needed again in the future, the re-registration process from the beginning can still be done easily.