CRED: UPI, Bills, Credit Cards

Cred instantly makes you fall in love with it's ease-of-use*, interface, and interaction design. . Paying your credit card bill before the due date let's you unlock Cred points and I find it a highly rewarding Feedback Loop. The redemption options are amazing for someone living in the metro. . Kudos to the illustration and the product team for making it a delightful experience. — *Ease-of-use: I would like to point out that the latest update totally devalues Cred's strong interface language and accessibility ratio. I am not sure what the thought process behind the new UI was but it seems unwarranted. . New Design Trend on Dribbble: Neumorphism, and Cred was like, are you our Lord and Saviour?! . The neumorphic interface has certain details which are executed really well but overall I found it to be immensely jarring. The navigation labels' contrast is just way too low and while the new UI gives the product, a more tactile feel, it comes at the cost of perceived reduced padding between the elements, heaviness in certain sections that don't warrant the attention. It took me a good 3-5 seconds to reorient myself to the navigation, and to the UI change which is not a good thing at all as it slowed down my journey. I hope the next update rolls the experiment back or improves on these areas.

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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.

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.

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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.

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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.