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Description

The right app to pay your credit card bills online is here.
Use CRED Coins earned from paying your bills to win big prizes and unlock access to products at member-exclusive prices, it's that simple.
→ Introducing CRED pay: Scan any QR code and pay instantly via UPI to earn assured rewards every time
→ Pay bills instantly: Pay all your bills, including ones for electricity, mobile, credit card rent and more for assured rewards and cashback
→ Check & track your credit score free with CRED. Download the app now to check your credit & CIBIL score now
→ Payment reminders: get credit card bill payment reminders that ensure you never miss your due date and thus get on track to improve your credit score
→ Hidden charges: automatically detect hidden charges and get alerted on duplicate transactions in your credit card account
→ Win rewards: win exclusive rewards by using the CRED Coins earned from pay your bills
→ Manage multiple credit cards: make seamless payments from CRED app for all your credit cards
→ Spend analysis: complete track of where you spent from your credit card with easy to read spend analysis charts
How to be a CRED member?
→ CRED is built for rewarding creditworthy individuals in India. To become a CRED member, you need a credit score of 750+
→ The process is simple → Download CRED → Fill your name, mobile number & email ID → Get a free credit score report
→ If your credit score is 750+, you will get a prompt to verify your credit card details
→ That's all, you can start paying your credit card bills and earn CRED coins with every payment
What is a credit score (cibil report) & what are the basics?
→ The credit score is calculated based on the data that is provided by the lending institutions (typically banks, NBFCs) to the bureaus (typically CRIF, Experian)
→ A credit score indicates your creditworthiness to potential lenders such as banks & mortgage lenders. It indicates how responsible you are likely to be in paying off your loans
→ Each credit score has a different scale: For example, CRIF has a range of 300-900 while Experian has a range of 300-850.
→ A score of 700+ on CRIF & Experian is considered to be good.
→ A higher credit score is an indicator of good financial behaviour.
How to monitor credit score using CRED?
→ Download the CRED app & signup using your full name and mobile number to get your first credit score result on CRED.
→ Keep making credit card bill payments on CRED to get CRED coins.
→ Use the CRED coins to refresh your credit score every month. Get insights that help you improve your credit score with time.
What all credit scores are shown on CRED?
There are 4 credit bureaus in India - Experian, Equifax, CRIF and CIBIL. CRED can showcase your CRIF, Experian and Equifax credit scores and helps track these credit scores individually.
What credit cards are supported on CRED?
SBI, HDFC, Axis, Kotak, Standard chartered, American express, Yes bank, HSBC, IndusInd, RBL, Bank of Baroda, Kotak Mahindra, Bank of India plus all VISA, MasterCard, American Express and Discover credit cards.
Will using a credit card hurt my credit score?
As long as you make credit card bill payments within the "grace period" of 25-30 days, you don't have to pay extra. If you go longer, though, you'll have to pay interest. Defaulting on your credit card payments could negatively hurt your credit score, so make sure you make bill payments on time.
Will using CRED help improve my credit score?
→ CRED will help you make bill payments on time with scheduled reminders. Timely bill payments have a positive effect on improving your credit score. By acting on these reminders and paying your bills, you'll be improving your credit score over time just like millions of other CRED members.

What's New in Version 3.2.4

you are dumber than you think.
that's the one line summary of the Dunning-Kruger effect.
once aware of this bias, it's very likely that you will always doubt your instincts till you see actual evidence.
which is why we want to make it clear: with this release, we've removed bugs and made significant changes that perfect your CRED experience.
so if you feel like your experience has improved, give yourself some credit.
because in this case, your instincts aren't wrong.

Seller

Name

Dreamplug Technologies Private Limited

URL

Information

Developer

Categories

Version

3.2.4

Size

335 MB

Game Center

No

VPP Device Licensing

Yes

Rating

Rated: 4+

Compatibility

iOS 12.0 or later

Devices

iPhone 5s, iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus, iPhone SE, iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone X, iPhone XR, iPhone XS, iPhone XS Max, iPhone 11, iPhone 11 Pro, iPhone 11 Pro Max, iPhone SE (2nd generation), iPhone 12, iPhone 12 Pro, iPhone 12 Pro Max, iPhone 12 mini, iPhone 13, iPhone 13 Pro, iPhone 13 Pro Max, iPhone 13 mini, iPhone SE (3rd generation), iPhone 14, iPhone 14 Plus, iPhone 14 Pro, iPhone 14 Pro Max, iPad (5th Generation) Wi-Fi, iPad (5th Generation) Wi-Fi + Cellular, iPad (6th generation) Wi-Fi, iPad (6th generation) Wi-Fi + Cellular, iPad Pro, iPad Pro (Cellular), iPad Pro (9.7-inch), iPad Pro (9.7-inch) (Cellular), iPad Pro 12.9-inch (2nd generation), iPad Pro 12.9-inch (2nd generation) Wi-Fi + Cellular, iPad Pro (10.5-inch), iPad Pro (10.5-inch) Wi-Fi + Cellular, iPad Pro (11-inch), iPad Pro (11-inch) Wi-Fi + Cellular, iPad Pro 12.9-inch (3rd generation), iPad Pro 12.9-inch (3rd generation) Wi-Fi + Cellular, iPad Air, iPad Air (Cellular), iPad Air 2, iPad Air 2 (Cellular), iPad Air (3rd generation), iPad Air (3rd generation) Wi-Fi + Cellular, iPad mini Retina, iPad mini Retina (Cellular), iPad mini 3, iPad mini 3 (Cellular), iPad mini 4, iPad mini 4 (Cellular), iPad mini (5th Generation), iPad mini (5th Generation) Wi-Fi + Cellular, iPad (7th generation) Wi-Fi + Cellular, iPad Pro 11-inch (2nd generation), iPad Pro 11-inch (2nd generation) Wi-Fi + Cellular, iPad Pro 12.9-inch (4th generation), iPad Pro 12.9-inch (4th generation) Wi-Fi + Cellular, iPad Air (4th Generation) (Wi-Fi), iPad Air (4th Generation) (Wi-Fi + Cellular), iPad (8th generation) Wi-Fi, iPad (8th generation) Wi-Fi + Cellular, iPad Pro 11-inch (3rd generation), iPad Pro 11-inch (3rd generation) Wi-Fi + Cellular, iPad Pro 12.9-inch (5th Generation), iPad Pro 12.9-inch (5th Generation) Wi-Fi + Cellular, iPad (9th Generation), iPad (9th Generation) Wi-Fi + Cellular, iPad mini (6th Generation), iPad mini (6th Generation) Wi-Fi + Cellular, iPad Air (5th generation), iPad Air (5th generation) Wi-Fi + Cellular, iPad Pro 11-inch (4th generation), iPad Pro 11-inch (4th generation) Wi-Fi + Cellular, iPad Pro 12.9-inch (6th generation), iPad Pro 12.9-inch (6th generation) Wi-Fi + Cellular, iPad (10th generation), iPad (10th generation) Wi-Fi + Cellular, iPod touch (6th Generation), iPod touch (7th generation)

Languages

English

Customer Ratings

All Versions

 296,010 Ratings

Customer Reviews

No customer support

 – 
Maninder Saini
 – 
2023-03-09
Version 3.2.4
Beware of ordering anything from cred store, if seller sends wrong items or missing items, there’s no customer support to return the items. If you sell something you should protect buyers from damaged/missing goods. Will not consider ordering anything from Cred anymore.

Worst app I have ever use

 – 
@ ashu
 – 
2023-03-09
Version 3.2.4
Dear all user don’t download load this app.
Customer support is very poor no helpful
I would give 0 rating

Useless

 – 
Prathyu6264
 – 
2023-03-09
Version 3.2.4
Every time when I initiate fee payment it is taking 2 days to deposit the money don’t know what is the reason behind this and this is the third time I’m facing this issue. Thinking not to use the CRED for further payments. Also there is no customer support to get this issue sorted out.

Unable to use the app

 – 
krishnapraneeth.pn
 – 
2023-03-09
Version 3.2.4
Hi Team, I am unable to use the app as I was said that my number is forbidden. Please help me unlocking my phone number

Pathetic support

 – 
RajavaRdhanReddy
 – 
2023-03-09
Version 3.2.4
Customer service team not able connect. Very pathetic service. We are not having any access to reach them.

No Cash back No Use

 – 
Subhabrata09
 – 
2023-03-09
Version 3.2.4
Stopped using Cred after getting two simultaneous day with zero cash back on payment of credit cards. Earlier 1/2/3 rupee we use to get but now completely zero. So no need your service!

Becoming useless day by day

 – 
Fantastik khan
 – 
2023-03-08
Version 3.2.4
No benefits of making payment through CRED. Transaction points are useless. I would recommend cheQ APP. Its more convenient and beneficial as per user point of you.

No refund will be given of transaction fails

 – 
athult95
 – 
2023-03-08
If your transaction gets failed due to any errors or the app team itself makes the transaction fail and hold the cash for themselves. Very bad experience and you wont get a transaction id to claim the failure of the transaction from app.
This app is a big scam

Good

 – 
DGC.BOSS
 – 
2023-03-08
Version 3.2.0
Good

Awesome cred

 – 
Kul2111
 – 
2023-03-08
Version 3.2.2
Great service provided by Cred

worst app

 – 
worst13000
 – 
2023-03-08
worst app ever did not get the option to get support direct from the person rep

No app support . You are just on your own

 – 
vishal saugat
 – 
2023-03-08
There is no way you can address the issue . Not just this app but on any mediums (email/twitter/facebook)

Poor customer support

 – 
fun geh n k
 – 
2023-03-07
Poor customer support

Rewards section is a sophisticated scam

 – 
anshul.mann
 – 
2023-03-07
These days there are other apps to pay credit card and other bills. There’s no real benefit of using this app :( Also, they have access to all of your mails, that’s how they read your credit card statements and tell you the bill amount :p

Excellent

 – 
Navneet Kumar Chauhan
 – 
2023-03-07
The app is very smooth and Payment takes within a second to succeed best thing is cred gives rewards in 3 days.Best app for credit card payment.

Poorest of poor

 – 
Aeycee__
 – 
2023-03-07
I clicked on the ad of snakes game and now I am not able to exit the game they have fixed it with my profile I can’t see anything even after restart uninstall
This is most horrible production piece.

Very irritating

 – 
swatidl
 – 
2023-03-07
Taping on pay now button does not do anything. Very disappointing and irritating app

Get rid of the music on opening chests

 – 
aneeshuks
 – 
2023-03-07
Or at least set it to mute by default. If I want to listen I’ll turn it on

Unable to see card balance

 – 
Alallasmdbrbdb
 – 
2023-03-06
I just switched to an iPhone and my data is all showing but the app does not show latest details about the cards due on the app itself it’s just notifying me about it via WhatsApp

Don’t follow any voucher it’s fake

 – 
sujitchanne
 – 
2023-03-06
You can use cred to pay bill it’s ok but you can buy any product and they provide from winning voucher code and all site are fake so don’t apply any coupon and don’t buy any products from this website even they don’t return or replace their item so please don’t trust this app and don’t buy any product. choice is your I just warn you because I am victim.

Status

 – 
Kishore Mallareddy
 – 
2023-03-06
App is overall good better update payment status a bit earlier

CRED technical error may affect your Credit Score

 – 
abhin30
 – 
2023-03-06
CRED technical error may affect your Credit Score

Good for Nothing

 – 
adsdd as dsdss
 – 
2023-03-06
What is the worth of having CRED cash?
Answer : just play game … are you guys really kidding .
There is no voice support.

Awesome app to maintain CC payments

 – 
Zfrnd
 – 
2023-03-06
If you want to pay your credit card bills on time then do install this app feed all your data with exciting reward you will always be prompted to pay your dues well before the banks sends the message. I highly recommend this CRED app.

Fake site

 – 
Raz dro
 – 
2023-03-05
My order D5DL21Z940XN
Prodect missing but CRED not refund my amount

About UI and speed

 – 
led board maker
 – 
2023-03-05
Wonderful I really enjoy

Fraud app taken my money n not reverting

 – 
lovettyyuu
 – 
2023-03-05
Cred is a fraud app it has take. My money days back n it has not been given to my loan company
They are not responding and nor even I have gotten it can see a payment receipt
There is no customer care no one is calling me and moreover there is no helpline number coz they intend to run away with the money

Bakwas

 – 
udayawale
 – 
2023-03-05
Why this app exists
Why people aren't aware it's loss making.

Worst app

 – 
Jsk1kundu
 – 
2023-03-05
Worst app. No cash back. You may end up paying more money

Worst Customer support

 – 
Mohankumarks
 – 
2023-03-04
I have faced payment delays and when it’s not done successfully cred need 7 ~8 days of time to resolve queries

Akshay kamble

 – 
Akiforce
 – 
2023-03-04
One of the best App and Helpful also

CRED is very user friendly

 – 
Priscilla joyce
 – 
2023-03-04
You get rewards n cash back for every transaction
My recent most used n one app I love on my phone is CRED

Kids game

 – 
mir Aju
 – 
2023-03-04
I would like to give 1 star for this app this app is best for kids under age of 4 for playing games

Unable to establish connection with bank by cred app

 – 
Bhardwaj288
 – 
2023-03-04
Very worst service bu cred I complaint more than 5 times about cred cash problem but my problem was not resolved,Very poor service please don’t use this app ..

Payment refund pending last 3 days

 – 
123428292929
 – 
2023-03-03
Dear team call me if any info 9643350140 my refund pending last 3 days But not showing in my bank account

Useless app for credit card transactions

 – 
M.V.Reddy
 – 
2023-03-03
No customer care to take immediate actions,you can’t cancel your transaction once done and their is no guarantee that the transaction May many days also so, emergency payment should not be done through this and it’s not advisable…

Amex bill issue

 – 
Abhijit Maan
 – 
2023-03-03
The app is unable to fetch amex credit card bill.

Power bank

 – 
Datten Amin
 – 
2023-03-03
Power benk price online Flipkart 1499
And ur app purchases prices 3999 and discounts 1499 chit this app

Jackpot

 – 
KS Mehta ji
 – 
2023-03-03
Wonderful experience

CRED was change my life style

 – 
talsang
 – 
2023-03-03
Thank you

Best

 – 
Dr R D Gupta
 – 
2023-03-03
Best

don’t trust them they are thief’s

 – 
Dev vishwakarma
 – 
2023-03-02
Never trust these type of app the are just thieves the stole your money from your account in name of upi and no customer support for any resolution so don’t use this type of apps

Good work

 – 
M Rajenderreddy
 – 
2023-03-02
M R R

Intentionally misleading design

 – 
Ankit foody
 – 
2023-03-02
The app is fine for paying your credit card bills, but make sure not to use any other features. All other offers or intentionally design to mislead costumer’s. All the products on offer are very often available cheaper on Amazon. Terms and conditions or convoluted, misleading and obscure behind many layers of buttons.

CRED Experience

 – 
Fanibhushan
 – 
2023-03-02
It is always available and hassle free.

Review

 – 
chahaljs
 – 
2023-03-02
Awesome

Cred cash flexibility

 – 
vicky husen 007
 – 
2023-03-02
App feature cred cash is awesome and very helpful in emergency.thanks Kunal

Fraud app

 – 
devraj gurjar
 – 
2023-03-02
Worst app i ever seen
On 21 February 2023 i made ₹ 7400 educational fee payment by cred app from my credit card payment was deducted from card but failed from cred and now almost 10 day pass but I don’t receive refund please don’t use this worst app

Really disappointed by the service

 – 
nancykapoor21
 – 
2023-03-02
From past 20 days i m trying take cred cash…but some technical issue m nit able to process it…some message coming that not able to make connection with bank n all…you customer service saying yes it will take time you need to wait..i dnt knw how much time you guys to solve the problem of your client

Mobi dnt care our time & money valve

 – 
abohra10
 – 
2023-03-02
My transaction of rent transfer is pending more than 1 day and they saying it will take 3 to 4 days
This is not mention any where in transaction terms they really dnt care for our money and time
Now is responsible for this delay and all related losses
Pathetic & careless customer care response

TRULY COMMENDABLE JOB

 – 
Vansh!!!!
 – 
2023-02-17
I wanted to take a moment to express my sincere appreciation for your outstanding mobile app. As a CRED user, I have been blown away by the features, functionality, and user experience your app provides.
Firstly, I appreciate the simplicity of the app, which makes it incredibly easy to manage my credit cards and bills. I also appreciate the transparency you provide when it comes to my credit score and analysis, as well as the rewards program, which has been incredibly helpful in saving me money on my credit card payments.
The app's interface is user-friendly, intuitive, and well-designed. It has never been easier for me to make payments, manage my credit score, and stay on top of my bills than it is with the CRED app. I particularly appreciate the reminders that the app sends to make sure I never miss a payment, and the added layer of security with the unique PIN verification process.
In conclusion, I am thoroughly impressed by the CRED app and would highly recommend it to anyone looking for a user-friendly, feature-rich, and secure mobile app to manage their credit card bills. Thank you for creating such an excellent app that has made my financial life so much easier.

Useless

 – 
PitB21
 – 
2023-02-08
High on glamour, zero value. The app throws a ₹2 or ₹3 cashback at your face after paying thousands worth of credit card bills while still managing to look fancy as if they did a great favour. Unable to withdraw Cred Cash out of my balance with the app giving a stupid excuse "All relationships go through hurdles and this is no different” I have paid all my dues on time still not sure what I did to sour this relationship. If you are unable to provide a particular feature then rather take it off the app. I have lakhs of Cred coins at my disposal. All you can do with them is get some minuscule discount for buying products from brands you haven’t heard before. Found value with CRED initially but of late it was just a bill payment app which i can do from a zillion other apps. Uninstalled and cleared some internal storage.

Unreliable and unsafe to use

 – 
Rakesh Gujrathi
 – 
2023-01-28
In today’s 21 century where most of the people on internet and we heard about cybercrimes this app doesn’t have simple 2 way authentication though it has all our credit card, upi details and financial records. I have personally experienced loss of 25k due to its unsafe login process. The funny part is fraud person login to my CRED account and done transaction but except his name I am not getting any details from CRED support neither get security depart email id who can investigate and take necessary action. I may face more loss but I have taken right step quickly due to which I have been save from those losses. I have block my card removed all my details from CRED and most important I have deactivated my account. I will ensure my friends and family doesn’t use this app and also I will raise complaints to RBI and cyber cell as this app is very unsafe as anyone can login just with OTP and access all your financial data. I insist everyone do not go with ratings and go with practical approach.

Beware!! It’s A Sophisticated Scam

 – 
Parry the great
 – 
2022-12-31
On first look, nothing seems wrong with this app but if you have used all its servers or try to use all its services then you will find the real problems.
1- You cannot deactivate your Cred account. Why? Because they are using your financial data and selling to telemarketing companies.
They are monitoring your spending habits and selling those details to advertisers.
2- You will see Cred cash eligibility in your account but won’t be able to withdraw it. Reason: Cred shows it to users just to determine if a user is looking for any personal loan so that CRED can share their data to different lenders. As soon as you try to withdraw Cred cash, you start to get calls from multiple banks for many days.
But you will NOT BE ABLE to withdraw that SO CALLED CRED CASH EVER!!!!
That CRED Cash scam is there just to determine if any person looking for a loan, further cred will share their personal details to telemarketing companies.
3- 3rd Class Customer Care- I have been contacting CRED’s customer care for last 1 month but my issues are still not resolved. Every time I just get a automated response which says.” We are looking into the issue and will get back to you”, but neither the issue was resolved nor they ever got back to me.

Money stuck since 20 days. Worst customer support ever

 – 
Preet rambo
 – 
2022-10-19
My money is stuck as they debited multiple emis even after paying the amount a day before due date. All the app says is it will take 7 days. Its been more than 20 days i havent just got partial refund and not all the amount. No updates from cred team whatsoever. You cant call them as they have no helpline. Replies on mail and app are automated. U try app it says mail them. U mail u get a reply that its better and quick on app and no other reply is recieved. Because of it my card payments got delayed and im bearing the delay charges on that as well as my credit score is being impacted. I would recommend everyone to ban the app and not use it. I have been one of the first customers of the app and sadly have to say that i regret it deeply now. I might press legal charges on them.

No redressal of my issue

 – 
Shubhi Choubey
 – 
2022-10-12
I am going through some really bad experiences at Cred app!
This app used to be my favourite one and I even have introduced all my friends and family to this app. All my transactions are through Cred only. But the issues I am facing from last couple of months has caused me a lot of stress with no redressal at all from Cred. I have taken multiple cred cash, for which I am making the timely payment every month on or before the due date. But my account is charged every month multiple times incorrectly. As far as I can recall, 9 transactions of 295 each were debited for which I have complete record. But cred support replies with some pre-written robotic emails requesting pdf of the same. Sir, my request to you is to connect me with a human for heaven’s sake. It’s taking a lot of my mental peace and I will be left with no other option than to complain against cred for this if these unnecessary charges were not reversed. If I am prepaying all the EMIs, why do you need to charge me? You should know in case I make the payment on or before due date, there shouldn’t be any charges like this. I need my refund as soon as possible. Please cooperate. I would be happy to come back and give you a five star rating as it used to be my favourite app. Just kindly help me with my issue

Rigged System

 – 
mack_tm
 – 
2022-09-15
Instead of directly giving a cashback of 4rs after making card payments, they make play with rigged machine and keep expecting huge cashback. These companies are going nowhere but to a hill with more steeper end.
Why are you making such heavy good looking lies to customers? Dont they get it? Why are you running spinning games that is throwing fixed cashback. Even other after card payment showed upto section of winning thousand ruppees after making cc payment, when reported they changed the look to spinner which is fully rigged on fixed cashbacks. Stop playing games with customers emotions. Why to add such heavy lies, over flashy rewards & heavy ui that is busy is showing off style then doing the quick job. You guys are burning cash of investors & playing games with users. Focus on basic payment how it can must be done in seconds & bring other products with ease not with heavy ui only. using the cred since years, Even cred refer links have blocked by facebook for spamming. Where cred app is not serious on user to new user marketing only. They are burning hefty cash. Dont do it please. Bring a stable strong faster & quick ui & prompt loan. Cred cash is avail. Since decades now but unable to withraw funds. Buggy ties. Whats the use of such ui if basic sanction is not working. Since years now. Stupid ads on tv. You are targetting senible audience with first class app looks hiding rigged systems 😏👍

Unreliable and age old software,require manual input from customer in every step

 – 
mukesh bisht 25
 – 
2022-09-04
I would like to give 2 star rating based on following points Pro- this app provides points for every transactions,( which are pseudo,and can't be used anywhere) You can keep a track of your bills.😂😂 Cons -1. you need to do everything manually. 2. Points provided are good for nothing 3. Half of the app at each level,ask you to refer to get some benefits, but the small clause is -it is government office,where you need to go and run behind the customer care to claim your reward. Like after referral,follow your friend,when he does his first transaction,then message customer care that you made your friend make transaction,then apply for your prize, send 20 mails, and they will ask you every minute detail,which you need to provide. Start a fresh application every time and the best part it has to be done on very next day,or else they will say "sorry,sir /Madam,you are late "😂😂😂😂 4. They require access to ask your mail and messages,highly insecure

Worst customer experience

 – 
kamat45
 – 
2022-08-18
Hello there,
Recently, I had purchased 343 items and I was the highest to buy. I have necessary evidence of the same and after the time ended, it vanished and there is no word about that yet. The promotion that you played after this also the winner was announced. This is completely unfair, I will take this ahead on social media. This is complete fraud. I have spent a lot in this process. As said I have necessary evidence of the same. One of them is shared. Please look into this and if you’re not giving me what I’ve won, please cancel all the orders place or else I won’t hesitate to dispute the transactions with my bank.
Before this also they gave the scooter to someone else when I was the highest one to purchase by number at that time too. Shared a screenshot of that as well. I won’t keep quiet and that’s the reason why you all decided not to keep the live chart on the 1,00,000 ticket price. Played very smart but I know my rights, I’ll fight for it!

Making payment fail for no reason at all

 – 
Milind Chandel
 – 
2022-08-10
First of all support section of the Cred App is the worst, it doesn’t show the open tickets/ recent conversations and then creates multiple tickets for the same issue, creating utter confusion. It’s just BOT replying to you and can’t really get to the solution of the problem instead gives nonsensical questions and nonsensical response for issue’s resolution.
And secondly when Google Pay says transaction is complete and internet is working how come your app shows network failure and fails the transaction, what is this scam 1992, trying to earn interest on people’s money because I have seen many other reviews as-well where people have this transaction failure issue. Although my money got refunded but the process of getting there was tiresome due to the multiple tickets and delayed response. If you want response better email them, there you might get delayed response but atleast it would make sense, but even in the email they say go to the support section of the app and when you go there, there’s nothing no history of conversation you've had before, not even showing open tickets, just plain bad experience.

No Support

 – 
Anuragnanda
 – 
2022-08-01
There is no medium in the app which allows a human interaction with the cred team. Everything is a bot based communication and very generic. No way of contacting through mail or phone. There is an option to write to the team but after typing in and submitting, the page shows some error occurred and entire thing you have typed is gone for good!
Show some mercy to the users.
Also, the application gives incorrect information. Recently 3 of my successive payments failed and I received communication from CRED that the failed transaction shall be refunded. After that I tried 4th attempt with a different mode and it succeeded and then I saw that one of the earlier three transactions was also successful and now there are two payments to the card. These guys should understand that this impacts our budget. If this is how you treat customers, I will better deactivate my account with cred!

Horrible offers and worst customer support

 – 
nikilng
 – 
2022-07-13
I have been using CRED account to pay all my bills for few months. What brought me here was the continuous advertisement spams but the offers you receive are from websites and companies you haven’t even heard of.
I also experienced the worst customer support experience ever with CRED. I had initially set up the account with my secondary number and I reached out to the Support Team to fix this and they provided solution to just update the phone number for Whatsapp Alerts although the main number was linked to my secondary number. They said it’s possible at first and made me wait for few weeks. At first they closed the ticket from their end without my concern and I had to follow up with them again address the issue. After two long weeks, I received a call from the Support saying that they don’t have an option to update the Mobile number registered with the CRED Account which got me furious and wasted more than two weeks of assured fix on this matter. I instantly deleted CRED membership and uninstalled the App from this phone.
Although I can say that the UI is good and is very to pay up any bills when you first add as they will be reflected on the dashboard regarding dues.
Anyways I’m not going to use this app again because of the horrible experience with the CUSTOMER SUPPORT.

Money debited but no credit

 – 
Dr.Shashank Kumar Srivastav
 – 
2022-07-10
Dear Friends,
I have experienced problem with CRED app. Very recently, I have paid 10k rupees towards SBI Credit Card outstanding amount on 6th July through CRED app. Thereafter I did not get any confirmation of receipt of money from SBI credit card department. There is no customer number to call upon and only they accept mails or complaint through app. I have sent number of mails but I got only a standard reply thar will look after within 24 to 48 hours which are computer generated. Even today I did not get money back into my account or they credited into my credit card.
I request all the users of CRED app please ensure before making any payment through this CRED app.
It is not a reliable application system. Don't fall in their cheap offers which I have experienced. It takes up peace and time. I still urge CRED to return my account back.

Capital float will appear in Cibil report as leveraged

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Akkoso
 – 
2022-06-11
One of the major concern I see with the app is the fact that the CRED capital loan will come up in your Cibil report as though you have leveraged it without even using it. I happened to see this in my Cibil report and complained to CRED. Although they were quick to respond and rectify it they said it’s how the app works. Which means if you are typically using the app but not used the loan they are extending to you, it will still end up in your CIBIL score as though you have leveraged it with and paying it regularly. Unless you raise a complaint there is no way you can get it off the report. I wonder how much of chaos will happen if every bank which offers personal loan does it !!!!

Poor User Experience

 – 
Maxim Couto
 – 
2022-05-04
I have been using the app practically from the start and can say with a fair degree of certainty that the overall experience if you’re shopping on the app is below average. The deals are pretty good but delivery schedules are inordinately long( Sometimes even 8-10 days) And God help you if you face a problem with your orders because their customer care is lousy and practically nonexistent. There is no helpline to reach out to and most of the time you’re talking to some bot or the other and answering a set of nonsensical questions that don’t get to the nub of the matter. Efficiency is lacking with a typical lackadaisical sense of entitlement. (Where they think they are doing you a favour) The credit card cash backs are also delayed or not received ( for eg 10% CB on X card on spend of X amount) When the matter is taken up with CRED they say contact the Bank and when we contact the Bank we are told that CRED hasn’t shared the relevant details and so we go round and round till we give up out of sheer frustration. Beware all adopters. An aggrieved User

Honest Review!

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TheGadgetMafia
 – 
2022-04-15
I have been using cred since days of its launch, looked very promising in the beginning however slowly i have started realising how they are fooling people on account of Jackpots (I can tell you one thing, its not at all random or luck based). Trust me i have done transactions worth Lakhs if not crores on this platform and the winnings have been nothing more then what you otherwise receive regularly in your junk email.
I brought couple of things from their shop as well, terrible experience, no warranty on those products and no customer service at all. Brought a shaker and it stopped working after a week, contacted manufacturer and he clearly denied for warranty.
One thing definitely good about cred, it helps consolidate payments for credit cards.

Recent updates are not worth it - rewards have become very time consuming

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Jewelove
 – 
2022-03-27
The latest update has made the app useless. One of the best features of the app was getting cashback for card payments. But the most recent update has made getting cashbacks so time consuming. You have to now open the app on three consecutive days & spin 5 days each day to get a lower cash ack than earlier. What could be done in one click earlier now takes 15 times the time! Such a bad customer experience. Most of cred customers are people short on time, using it to save time on a lot of things, like multiple card payments etc. but now it takes much longer cred for the reward redemptions.

Irresponsible, predatory and problematic

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surajpsingh
 – 
2022-03-18
I paid my 40k of credit card bill through CRED on 10th. They haven’t transferred it yet to my credit card and it’s 18th. My card is way let is overdue date. My card has been blocked, there’s is late payment charge on me now and CIBIL report has been sent by the bank.
They forgot about it until I reminded them on 13th. Then they send me banking details for transfer on 14th. Money hasn’t reached yet and it’s 18th today. They don’t have any number to contact. Their take days to reply to mails. They app is all automated with no options to report such incidents. They keep saying the same stuff that sometimes it takes time etc. I’m tired and frustrated. Kindly pay your bill directly. CRED is not offering you any big incentive to use it and it’s full of risk. People are just predatory ans irresponsible. Save yourself

Pathetic Customer Service. Privacy concerns.

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AkshayKishwan
 – 
2022-03-16
I have been a cred user for a long time. Recently when one of my products got delayed I went to the app store to see the reviews to check whether others also faced similar issues. To my surprise, I wasn't the only one.
The customer service at this firm is pathetic.
It's bette that you forget about your money if it gets stuck or your order isn't delivered because there will just be a long email trail with the same responses fron their end, around the lines of 'we need more time'.
No matter what you do and say, the responses will not change.
Other than CS, there are privacy concerns. They want you to activate cred protect. Essentially, they'll have access to your emails and they'll fins out the credit card statements, update them on the app etc.
They'll make a spending model around your identity.
On top pf everything, they will refuse to deactivate your account. They'll state that it's not possible since tickets are open but in their terms and conditions, nothing like this is written.
These guys are working as thugs and doesn't really care about their customers and hence, people leave the platform.
I would NOT RECOMMEND it to anybody.
Save yourself, your money and time from the hassle. If your payment gets stuck, you're in for a drive.

Once you pay the bill ,they will not credit even after 24hr

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Abhishek pandey
 – 
2022-03-02
Wrost people Cred.
i have paid my credit card bill via cred on yesterday but still not reflected on my credit card even after 24 hrs and you say said it will credited in one hour. You Don't have any customer care number and even email id to reach. All the time you say to download app , why should i download your app for each and every thing and even for the things like customer support.
You have not sent me any mail or msg regarding my transcation id ; only whatsup msg is sent which is not enough. If you cant provide service plz dont cheat the customer or delay your service। They will curse you and it will cost you more. I paid 16,000/- and its more than 24 hrs. now i should beg in front of you for my money only. What rubbish people you are , will never use your service again.

An amazing app

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naveen814
 – 
2022-02-07
Cred is a fantastic credit card payment app. I've been using Cred for a few years now and have never had any problems. Even though I had some issues a few times, customer service was excellent in resolving them in a short period of time. That's why I use Cred to pay my credit card bills instead of any other app. By burning the cred coins, it also provides payback. Although it is not a large sum, it is better than nothing. The jackpots are the only disappointment I've ever had. I used a lot of my cred coins to play these jackpots, but I never won.. Apart than that, Cred is an excellent app to use, and I would recommend it to everyone.

Play Russian roulettes to win pitiful rewards

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drsdubey
 – 
2021-12-31
Honestly, I gave this app a five star review few months back. But the fact that I’m sharing all my spending data with them in return for a chance to play roulette to win (exciting) rewards such as ten percent off on washing powders makes me retch.
Maybe the rewards section was never that great, in fact, earlier it seemed like a curated list of curious that the developers found on unsold merchandise in stores.
But now they have broken down to a whole new level. Making customers spin wheels for an exciting chance to win Rs 50 cash back!!! If you’re lucky, that is.
I have Lakhs of points rotting in my wallet for want of a decent utilisation.
Seriously, if you’re happy with ten percent off on over priced merchandise, you would be better off running a Google search for discount coupons that manufacturers are more than happy to offer you for free anyways. Because in India, who is selling anything without a ten percent discount anyways. It’s literally built into our pricing schemes!
Honestly, the app would be better off without this apology of a reward section. At least they won’t be insulting their users intelligence.

No option to redeem offer in rewards section

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taher mohd
 – 
2021-12-27
I have used to new offer to pay education fee of about 46,667 after successfully applying the offer of cash back on 22nd December . With service charges the amount I paid was 47,391. After the payment i can see that the offer was applied successfully and unlocked and in the instructions It says to redeem 8,000 cred coins to avail the offer. However, I don’t see the option to redeem that offer in the rewards section. I have tried to raise a concern regarding the same on the app and all I get are ticket id’s saying someone from cred will contact me via email. I neither see the tickets open in my app nor do I get any response from cred team.
If this was the case I could’ve used other payment options for which I didn’t had to pay the extra service charges.

Pathetic customer support

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Bhanu Shankar Reddy
 – 
2021-10-02
It’s all good when the payment is successful but when the payment got struck then the problem arises.
I’ve paid an amount of ₹2,20,000 towards my credit card bill 6 days before the due date and the payment got struck and till the due the due date.
The amount is showing credited in CRED app but it is not reflecting in credit card. So when the due date is over we suppose to pay late fee, interest and a late payment in our credit history.
CRED rules says when payment got struck make an alternate payment to the bank to avoid those fines and interest. How can we pay the amount when our amount is struck with them.
There is no way to contact the CRED customer care support team. Only option we have is to write to them for which they never reply.
Credit card issuer doesn’t care when you actually paid the amount if you paid through any third party apps. So they levy interest and fines on you.
It’s better always use your bank’s online banking to pay the bills so that bank will take responsibilities when something goes wrong.
Don’t fall for the cash backs which is less than 0.1% of the payment value.
I got around 4k cashbacks for using CRED till date, the fine and interest would amount more than 10k.
It takes hundreds of successful transactions for gaining that amount and one unsuccessful one that charges more than double the amount.

Payment flow issues when you buy something from the store

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karnvit
 – 
2021-10-01
When you select something from the store and buy it, it doesn’t even gives you an option of selecting your address of where you want to get it delivered. After that when you in the check order history, it probably doesn’t exist or I was unable to locate it. Support section doesn’t has a chat feature because they are probably trying to save money here. Absolutely stupid, I had to place an order again. Now the order which I previously placed will be delivered and I’ll have say the delivery guy to not deliver it and then it will get canceled. It is absolutely stupid to see how the a tech lead company is functioning here. I don’t even know if I’ll get by CRED coins back when that order is cancelled. I am sad.

Be aware, it’ll decrease your credit score

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patilmahadev
 – 
2021-10-01
Please spend few minutes and read it carefully. I was regularly using this app but in recent event this app doesn’t forwarded paid amount to my credit card bank. This I come to know when I got a call from a bank. As per the bank I’m defaulter now and it’ll affect my credit score. More than 2 days have passed and still I can see my payment is processing state on CRED app. I’ve paid the amount through internet banking. Also there is no customer care number to contact instead they have stupid catbot which is more useless than this app. My payment amount is 1.25 lacs and now I can’t even cancel or do re-payment. Money is already deducted from my account and no option to cancel it. Don’t get trapped in their ads and useless CRED coins they are of no use, I already have almost 6,00,000+ useless coins. This is the new age scam to earn interest by holding people’s credit card payment for few days.

Worst customer support

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ahmed uni
 – 
2021-09-18
My dad is unable to add his card to his cred account , when waited for a long time customer support told someone has added my dad’s card to his account hence we are not able to add and advised to add fresh card , I mean how acknowledgeable is this .some stranger has added my card and I can’t use the cred app when it’s not my mistake , how cred has 0 accountability!how it’s simply allowing without any Multifactor authentication ..and when we try to resolve the issue they ask us wait for hours , they expect ppl to sit for hours n hours to chat with them ! Without having basic calling option ..now a days who has hell lot of time to sit n chat with CC. And weirdest part is after chatting for hours also they can’t resolve the issues ..if there is anything less than 0 I can give that rating , lost trust in this app now ! I also urge all my family n frnds to uninstall this useless app .

Best app for me 👍🏻

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CharanjotSingh
 – 
2021-08-20
Old reviews:-
Reason for 2 stars are not able to make payment via UPI from last few weeks. Earlier it was working perfectly fine. Just want to bring to developers knowledge that some issue is their. Please check and rectify it then again re-write my review. Left app is perfect and hats off to the amazing idea of making credit card payment on a single platform I.e. CRED
New review :-
Thanks for fixing the Credit card payment issue via UPI. It’s working perfectly fine for me and enjoying the ease of making payment for all my credit card at one place I.e CRED. Thanks to the whole CRED team for such a useful app and for all your efforts to fix the issue.
Thanks 😊

It doesn’t update my credit score keep’s reflecting 5 days to go!

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Ærœś
 – 
2021-06-01
Such a worst app!! I was excited to use the app after my friends referred me, I’m a new credit card holder.. it’s notenjoyi opening in my phone at all, where as my other friend who is also a new user was able to download activate and pay his bill in his own CRED, where as I am waiting from past 15-20 days approximately to activate ( everytime it asks me to wait as it’s verifying) yesterday it showed me that I will get activated today.. but again it went to 5 days!!! This is getting in my nerves.. why do you develop such an unwanted eligibility! Verification method.. I downloaded the same app in another phone and paid the bill of ₹23,296, and still in my phone it’s not opening 😒

Most beautiful useless app

 – 
the iOS_devolapaah
 – 
2021-05-27
The honeymoon period with actual useful offers and rewards is over for Cred’s early customers. Now this app is full of useless offers and an e-commerce store full of over priced fancy useless products. And their next big thing Cred cash will surely trap many unfortunate financially illiterate youth in a high interest rate debt rabbit hole. The only benefit for using Cred now is that 10-15 rupees peanuts you get as cash back every time you do a credit card payment. And definitely Cred is making huge profit by mining all that highly sensitive financial data of users.
Seeing the massive popularity of Cred advertisement reminds me of that Noam Chomsky quote - “Markets are supposed to be based on informed consumers making rational choices. But an ad’s only purpose is to create uninformed consumers making irrational choices.”
That being said, being an iOS developer myself, I am a huge fan of Cred’s UI and UX. Your app is an inspiration for me in my day to day work. And also I am a fan of Kunal’s tweets and podcasts. But I am sure this guy is again gonna make hell lot of a money by providing another much hyped, no substance product by selling highly sensitive user data.

No longer useful

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harshit1511
 – 
2021-05-11
I’m a CRED user since the beginning and I see many things changed with time. It was quite rewarding during the initial days and I have redeemed good no of products by just using my CRED points or very minimal cash which were quite a loot. But these days I am not able to find any reward that my CRED points will get me and the rewards which are listed needs a payment to be done and the focus has been shifted completely on CRED coins which are not easier to get. As per my view, CRED has become an usual ecom website which sells things and I couldn’t find any reward that I can redeem by just using my CRED points. Now I feel that CRED is no more rewarding for me and I will stop using this app shortly if this rewardless culture is continuing. these jackpots are just brand awareness campaign on your platform and full of crap.
The one best thing is the user experience of this app has improved exponentially and the expense tracking tool is a killer. But rewards were my main motive not jackpots when I installed this app and that is not here now.
I hope the CRED team will consider this concern and I expect them to do something on this.

Issue ticket closed without resolving

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Raghav1622
 – 
2021-05-04
I don’t think the support time has time to resolve the issue, may be that’s the reason they don’t give it back on-time or no proper response. I had payment related issue during the initial times of Cred, but dint get any proper response & so payment took time to get credited to my card. April-21, I had issue with the reward points also, I made a total payment of 3500 much before the due date, but the point raised with just 600 when compared my last month’s. (I have a screenshot for the same) And when raised my first ticket for help, they said that was correct & I requested them check again, but in vein. Being, the issue unresolved I thought of raising another ticket, & to my astonishment I found my previous ticket closed without any response. So I raised another ticket, asking for the proper explanation & response to the primary issue. Even to this day I am yet to get a reply & this time it makes me feel weird on finding that the second ticket was also closed, without explanation for the closing of first one & proper response for the primary issue. I use not to check my card statement believing this CRED app, but now I doubt about the amount that’s been debited from my account towards card payment. Whether the same amount has been credit to the card or not...? I need to go through all the statements since the time I started making payment over CRED.

Worst Customer Care. No email. No ph number nothing.

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Tusoya
 – 
2021-03-05
I am a CRED customer and I have paid more than 6.5 lakhs credit card bills as of now through cred. I have placed an order through CRED on 11 Feb-2021. While they are claiming that order will be delivered with in 7-10 days it has been more than 25 days the order is not delivered.
The worst part is customer care is not at all responsive and they won’t even care to your concerns even if you raise it like more than 10 times. They will do only thing, they will provide ticket number through a autobot that’s all. No resolution nothing. There is no customer care mail/ ph number available nothing. You will be roaming around in the apps like fool. My suggestion do not use this app at all.
The biggest fear now is that what if your big amount will be stuck and the customer care will be like this. My suggestion again do not use it.

Very bad application

 – 
Paul Johny
 – 
2020-12-25
CRED as an application which displays the credit card information is a very good app. But in case pf transaction it is a very bad application. It is the worst application i must say. I payed my credit card bill through cred and due to some reason it got failed and the refund was processed to some unknown account. When trying to contact support there was no email no toll free number or any means of contact info in the application nor in the website. Even a proper reason for the transaction failure is bot given in the message. In the app is says chat with us in the support section. But it doesn’t provide any option to chat. It gives a certain list of options and preconfigured answers. Beware , if you pay through cred then your money is very likely to be gone forever in vain.
To cred team. Atleast provide a customer care number or a proper chat window for your clients to raise queries. Atleast understand that you are dealing with money and take care of it.

Sorry but you too are ordinary CRED

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sanjshar214
 – 
2020-12-06
Yes, I did admire little bit more convenience of paying my credit cards bills ( over what directly I had been doing so far) using app though could find hardly any other advantage. On top of that I had to give you permission to peep into my mails which is huge concession customers extend to you compromising their privacy. But it took me really some time to get that annoying moment which has totally put me off you. I still sometimes pay my credit card bills directly outside your app and it’s my choice th eway I settle that. But you keep on sending me repeated notifications some like frightening ones on my overdues! Just shut these notifications up and find means to check whether customers have directly settled their dues with banks or not and put that to records. You check my mails otherwise and not find this mail that bank has already accepted the payment? I need answer to this annoyance.

No way to update payments made outside CRED

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Rauny0
 – 
2020-12-06
The app is good. Helpful and easy to use. However if you make any payment outside CRED, this app will make you regret that because it wall not update such payments and will harass you and even scare you with notifications like “YOUR CARD BILL IS OVERDUE”. Or “INTEREST AT THE RATE 35% IS BEING CHARGED TO YOU”. It’s funny because they like to remove / extract all types of data and transactions from our credit cards and Netbanking, but they can’t remove data about payments made outside CRED using the same Netbanking. At least they should have some mechanism to manually feed information about any payment made outside CRED. Even the “support” section in app is not giving any support and simply states - “payment made outside CRED is not reflected in the app.” Its sad that such a good app has completely ignored such basic features; or rather ‘chose’ to ignore such basic features such as manually feeding payment details to avoid such deadly notifications about “charges” and “penalties” and “interest” etc.

Not good anymore

 – 
prateekpandey.312
 – 
2020-08-28
Now, you can’t get anything free even if you are paying 1lac credit bill every month. Everything is paid for us. But they make money as they keep our money for a day or two, get interest from somewhere and then deposit our money to bank.
Basically, now it’s just a platform for cred owners to earn money from someone else’s money and to promote stupid and newly launched products on cred. They say we are giving discount because you are cred user. Such discounts or coupon are available on internet if you just google. You don’t have to check more than top 5 results to get valid coupon.
So, their plan is to earn in 2 ways(at least):
1) Get interest on money someone paid to cred because they deposit to bank few days later.
2) By promoting newly launched stupid products. They get commision because cred has userbase.
They don’t even give you T-shirt for free even if you have 10lacs point.
Note to Cred: Try giving few things for free and increase the number of points to redeem. In case someone has a lot of points(which means he has paid a lot of credit card bill through cred) he should get something. If not, why would I pay through cred and wait for them to credit to their bank few days later and come again to verify. I recently started verifying because I paid through cred and it didn’t get transferred to bank and my bank citi automatically deducts min due. That means I ended up paying total due + min due. That’s not a good service, right ?

Too many limitations

 – 
Ravee Gokulgaandhi
 – 
2020-07-28
I like the concept of CRED. In fact I was waiting for something like this to come up and ease our lives that are made complex with the card companies. However the app adds more stress then it relives it. For eg smart statements only support Gmail and Hotmail but for those who get statement on personalized accounts there is no option to auto forward statement to CRED. And adding office 365 accounts does not work at all. Also for cards that are cancelled or upgraded there is no easy way to remove those cards. And if there is I have not been able to figure out as yet. And in case if you have two types of card with same account E.g Master and Amex, it treats them as two different cards although they fall under same credit limit and same statement. Also When you have two cards with Amex , e.g charge card and a credit card, it makes incorrect payments to wrong type of card when you pay through cred. You need to call Amex and transfer credit from one to another. I hope these small things are fixed and tested to be the go to App for your credit card management.

Best for paying credit card

 – 
Achinty
 – 
2020-06-05
I love this app due to cred I never miss my payment because it’s remind me regularly when due date approaching within seconds you can pay your credit card bill it even reward you by giving caskback every time when you pay your bill which is credited on your credit card immediate it even shows you point on your credit card which you can redeem on bank site. Its also give regularly offers on products also some time they give you offer which you can redeem for free i am glad that I become member of cred due to paying bills on time i have cibil score of more than 750😀

CRED- xperience

 – 
@shay K
 – 
2020-05-12
One of my friend told me about this app, I was skeptical initially as it involves financial transaction of my credit cards - simply speaking my whole lifestyle - what I do, where I spend everything is now made available to Cred. But stil I download and cred gives unmatched experience.
I haven’t opened my email or check multiple websites to review my credit card statements as CRED covers them all, summarise my expenses well to help me understand where I am spending and most important it does remind me from time to time to ensure I don’t miss out the payment date. Rewards are aso there although I think it can be more rewarding.
So I definitely recommend CRED to those who have at least 2 or more credit cards!

Money at risk

 – 
Hemant Pune
 – 
2020-05-07
Cred is intermediary between your payment to Credit card company. The company many times do not immediately give your payment to Card and sometimes after 4-5 days. Do they use our Lakhs of payment for some days and earn interest? The worst thing is, they don’t have an customer care who can reply your call or chat immediately. You have to write mail and reply comes after 5 day. If they are dealing with money , they should have emergency call service 24 hours like all Credit card company have been operating their Card Block service even in Lock down. Your money is at high risk when dealing with Cred. Today I was trying to delete my credit card details and bank details , I was not able to do it. How India’s regulatory authority has given approval to the Cred? iPhone App should delete this app from App Store as Apple is highly reliable organization.

Thanks CRED for awesome service.

 – 
vikkaassoo
 – 
2020-05-02
The service provided by CRED has helped to save time every month on useless cognition like remembering payment date or putting on calendar. Now it is totally worry free that too with with reward when payment of bills are made, especially the cash back rewards. It is like one is getting back the annual charges paid to credit card. It was never ever so easy to know the offers on the credit card. The analytics portion is awesome one can know the fields of spending and can easily track on for financial planning. From time to time CRED suggest how to maintain ones credit score , which is must for getting credit. I am using five credit cards and it’s very easy to keep tack on each card at one place.

Doesn’t let you delete your account!

 – 
Shoro R
 – 
2020-04-01
For an app handling so much of your sensitive data, they fail to provide any trust in you considering how much they’ll try to distract you and prevent you from deleting account from their databases. I didn’t even make a payment, and wanted to delete my account and had to go through a frustrating 30 minutes of a unnecessarily roundabout chatbot, and a customer support executive who replies once in 5 minutes to get to know that the issue has been “escalated” and will be looked at in the next 5-7 working days. What happens if that time period passes and nothing has progressed? That remains to be seen.
It is unacceptable that there’s no direct and transparent account deletion feature and no actual customer support on this application. They stick a FAQ and hope that you never actually try to escalate issues with them.
Please don’t waste your time with this app as their business model will be to sell your financial data to advertisers. If not that, they will use your money which you’ve given them for their private investments in the 2 day period before your credit card account actually receives the money.

No Guarantee for payments

 – 
Sekhar Somu
 – 
2020-03-19
I have been using CRED for two years. I haven’t faced any problem till now. So I thought it was safe but when I got a issue I realised how worst could be.
Just sharing my experience with CRED. I have made a payment before due date and it reflected in my bank a week after due date. I have been charged with late fee by bank and when approached bank they stated that CRED is not an authorised payment gateway and hence they cannot help in this regard. Worst part is there is no proper communication channel to approach CRED apart from chatbot. They have no customer care. Only possible means is to contact support team is either mail or chat. Even this chat will take long time to get reply. They don’t have any proper tracking for the complaints raised. You’ll be getting same repeated replies. Fortunately my issue is only late payment. If your money got stuck with CRED means it’s very simple.
You lost your money. CRED will not help. So I strongly recommend not to use this.

Doesn’t look reliable

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Indian Cracker
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2019-11-05
I have downloaded the app and was gonna try it for card payments but I thought first I should go through the comments posted by app users. I got lots of good reviews to begin with which is well and good. Now story starts where the happy path did not happen, No response from app owners for negative reviews where user’s hard earned money is at risk. Come on CRED, you are thanking many positive reviews and no reply for the reviews where somebody’s money is stuck with you.
How can I trust you guys? It seems like till every thing is going as it should be, it’s good and may be even better as I heard you guys provide cash back or some coupons or something in return but once it went south, everyone is suffering as you are not even responding and the amount is lost. I came to this conclusion as nobody/ a very few people(I didn’t see) have praised CRED in negative cases even is positive reviews.

A must for credit card users

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Saktibagchi
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2019-09-28
I have been using credit card since 2002. I have been a defaulter in many months in past and paid huge fines and interests. I had to take personal loans to pay credit card bills. What was the reason? I was not able to keep track of my credit card bills and was unaware of how much I was paying on bank charges. I find CRED as the most essential app for anybody who has credit card. It not only reminds, shows you the charges and expenses by category but also rewards you for paying the bills through the app. Most interestingly you can just pay in few clicks through the app. Good job guys. Very intuitive design and you have customer in mind. The way this app is designed is very artistic and unconventional. Keep it up.

Irresponsible and zero Customer service. Even payment not credited to my card since 12days

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StanlyRaj
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2019-07-07
Hi
I have been using cred app since 3months. First 2months its fine. 3rd month I have paid my bill but it is not credited to my credit card. More than 12days till date it has not credited to my card and moreover the customer service team is totally irresponsible. No reply from them and not even a single mail from them. Only once I have received a call from them to discuss the issue and later no calls. Even no replies from them as I have sent almost 6mails to them. I am totally unsure where my money is gone. Giving 7,11,13,14 rupees as cashback and attracting the users, these apps were playing with our trust and belief. Dont ever never believe and delete this app at the earliest even though you guys had received some big cashback amount earlier. Beware of CRED.. Hope this is useful for new users. Truly not at all satisfied.
I have been levied with late charges even though as I have paid 2days before due date. Cred is saying nothing about it except you relax. Huge cheating app.

A must for all credit card users

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Classy82
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2019-06-02
Causing a disruption in the credit card payment world this is an absolute must have app. Kudos to the team of CRED for having created such an easy to use and intuitive app. Benefits are galore and there is something for everyone. There is happiness to know that even you paying your regular credit card bills is giving you so many benefits. They are an absolute early starters to this idea and don’t think there is anyone who is even close to competing with them. I have personally benefited a lot and have been an absolute promoter. I have recommended through word of mouth to many and would continue to do that as I see absolute merit in have this app.
Thank you CRED for creating a world class app and wish you great success

My previously paid bill is still reflected as unpaid

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vasumathinair
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2019-04-18
Heard a lot about this app and downloaded it. However, I still see the bill that I have paid for the last month is still reflecting as unpaid and the new bill is not shown at all. And I am not able to report this issue too. Tried using the help and reporting it, but when I am trying to use help and report my issue as it was not reflecting in the faq’s it is not allowing me to type and instead there Is a referrals and CRED gems popping up without allowing me to type my query. May be the app is good but still they have sinc issues with the bank is my estimation. I paid my bill via net banking in the last month.

Data loss

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vadiveldms
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2018-12-23
I gave basic details in the app like phone number, email I’d. They showed my credit card details. Then they ask to verify the cards through otp which I did. Then they said they will credit 1 rupee into the account for verification. After that I was able to see all my card details like credit line, bill amount, last bill date, etc in the app
This happened yesterday and today I got a call from Sbi customer care. They said it’s customer verification call. They asked my 16 digit credit card number. I refused to give. Then they told my credit card number. Then they asked my validity date which I refused and then they told my validity date. . They sent some otp. I refuse to tell. Then they told bank details like bill amount, bill date, last credited amount (1 rs), credit line, etc. I believed and told otp and immediately 7900 rs got deducted. Immediately I called Sbi customer care and blocked the card, they said it was a fraud transaction. I fear there could be data leakage from this app.