Cred: is it worth anymore?

263°
Deal Cadet
Venghai

Once upon a time cred was my favourite for paying credit card bills and still it’s the app I use for paying credit cards but im loosing the faith in them.
The cons have become more soon we might choose not to use it

Cons:

  1. No more free stuff using the cred coins
  2. All deals are Purely junk which make u spend coins for discount codes which you might get directly on product site
  3. Sometimes the deals make you frustrating
Pros:
  1. The only pro is that we get some cash back for paying the credit card bills. Though it’s nominal amount any money is good money
  2. Nothing else

If phonepe or other competitors comeup with good deals for the credit card bills soon cred can be put to rest

Just wanted to share and get fellow dimers view too

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Pro Entertainer Pro Entertainer
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Credit card bill payments was always a liability and one must pay it was the norm
Cred changed it big time
Phonepe, Paytm, Mobikwik were also in fray before it or after it yet Cred made people save good amounts initially
It gave the convenience for multi card holders to keep a check at one place
After a point Convenience takes precedence over Benefit
Though its purely personal point of view
Good review
KG to OP

Deal Subedar Deal Subedar
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Useless rewards. Unintutive app. False promises. Risk of failed payments and money stuck. Promoting gambling with points.

Audacity to call it’s rewards as “rewards” instead of advertisements. I am just waiting for Amazon and others to roll out their credit card payment so that we can see such lying company crash and burn.

I have long stopped using the cred app and directly use the bank website as I don’t want to give any business to such lying companies. I implore you all to do the same so that other companies don’t get motivated by lying apps like cred.

13 Comments  |  
11 Dimers
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Pro Entertainer Pro Entertainer
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Credit card bill payments was always a liability and one must pay it was the norm
Cred changed it big time
Phonepe, Paytm, Mobikwik were also in fray before it or after it yet Cred made people save good amounts initially
It gave the convenience for multi card holders to keep a check at one place
After a point Convenience takes precedence over Benefit
Though its purely personal point of view
Good review
KG to OP

Pro Entertainer Pro Entertainer
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Mero maano, mere saath bolo. ..
.
I hate CREDsmile toungueout

Pro Community Angel Pro Community Angel
Moderator
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Calling @vijkap201 for better reviews..

Pro Entertainer Pro Entertainer
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Had you called @vijkap202 … he’d hv said..
..
.
I hate CREDsad toungueout

Deal Subedar Deal Subedar
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Useless rewards. Unintutive app. False promises. Risk of failed payments and money stuck. Promoting gambling with points.

Audacity to call it’s rewards as “rewards” instead of advertisements. I am just waiting for Amazon and others to roll out their credit card payment so that we can see such lying company crash and burn.

I have long stopped using the cred app and directly use the bank website as I don’t want to give any business to such lying companies. I implore you all to do the same so that other companies don’t get motivated by lying apps like cred.

Benevolent Benevolent
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Kill the bill – u get even now
I had failed payments but never money was stuck – instant refund
Rest all ads etc everyone does
CRED was really good but even now OK, nobody is paying even Rs1 for paying CC bills
CRED+DCB DC sweet deal

Sadly I read few posts where some dimers money credited to wrong cards, but they do not clearly say if it was their mistake, all they say is they did it correct but no proof.
Hope CRED refunds them!

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Helpful Helpful
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I agree that the freebies have come down by a lot, specially after covid-19 situation. cred is mostly pushing/advertising super premium products. some have better discounts than available online, but buy only if you want them, never for discount. The Freebies were good till they lasted and I am sure they will add more when situation improves.

Freebies have mostly become lottery based on cred. I won fabelle chocolates coupon worth 1100 mrp last moth. However, the website was not delivering to my location. Cred did an amazing job of following up multiple times with the vendors and they made sure i got them. it even saved me 20 bucks for shipping which would have been charged by website.

I tried amazon card payments and I dint receive any points from hdfc. I dont have dcb and i dont intend to take one. I think the best thing to do now for me is to pay non-hdfc cards using hdfc bill payment via debit cards (1% reward points value) and hdfc via cred. I stopped using mobikwik a long time ago as it got frustrating to keep myself updated with the changes in T&C every few days.

Finance Mentor Finance Mentor
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How to do that?

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Deal Cadet Deal Cadet
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https://cdn0.desidime.com/attachments/photos/632089/medium/IMG-20200819-WA0005.jpg?1597856546
Won Rs. 2001 in Kill the Bill scratch card.

Deal Subedar Deal Subedar
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Just Now?

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