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CheQ User Reviews

CheQ: Credit Bill Payments
🔧 Utilities
💰 Finance

Customer Experience

Positive experience26.1% of reviews
Neutral8.7% of reviews
Negative experience65.2% of reviews

~ Based on 23 written reviews from the US App Store.

Is CheQ Safe?

CheQ: Credit Bill Payments appears mostly safe based on user ratings. AppsHunter Safety Score for CheQ is 84/100.

This assessment is based on 9,532 user ratings, with an App Store average of 4.2/5.

Safety Analysis

81.0% of ratings point to a safe experience
2.7% of ratings suggest some concerns
16.3% of ratings point to a risky experience

~ Based on 9,428 App Store ratings for CheQ.

Is CheQ Legit?

CheQ: Credit Bill Payments appears legitimate, with a few gaps. AppsHunter Legitimacy Score for CheQ is 78/100.

Based on 78 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Most RecentHighest RatedLowest Rated

Unreliable App & Poor Support

Absolutely terrible experience. This app has been a complete waste of time. I’ve been trying to make a credit card payment, but it keeps showing the same error for days with no resolution whatsoever.

Customer support is just as bad. The chat agents are extremely slow to respond, don’t seem to care about resolving the issue, and simply ask you to wait for several more days instead of actually helping. It feels like once you report a problem, you’re left on your own.

I would never recommend this app for credit card payments, especially if you’re making large or urgent payments. If your payment gets stuck, don’t expect timely support or a serious effort to resolve your issue. When your money and payment deadlines are involved, this kind of service is simply unacceptable.
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Robin Hood IIIRobin Hood III

Response from developer

Hi Robin! Days of the same error with support asking you to keep waiting is unacceptable and we own this fully. This is not the CheQ experience we stand for. Please reach out via in-app Help & Support and we will personally escalate and resolve this without any further delay.

Wallet Load Issues

I recently used Cheq app for loading wallet from credit card. After the transaction Money was debited from my Credited card account but money has not been credi into cheq wallet. When i am seeing the transaction details it not properly showing that transaction will cancelled or successful. Only it is showing “Wallet Reload hold for 48 hours” . My 4000 rupees has been stuck for Cheq application. It is my humble request to kindly look into this matter. Because there are no customer care number so that i contact them what happened to my money. But there is only Chatbox and mail option. I did all things but still not received a proper resolution.
So it is my concern to customer care kindly Help me regard my issue
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Soumya7iSoumya7i

Response from developer

Hi Soumya! At CheQ, wallet payments are designed to be instant, very few may undergo strong security checks to ensure the safety of your funds. The amount should have reflected in your wallet and been available for instant transfer or voucher redemption. For any queries, please use the Help & Support section available in the app.

Payment stuck and zero support

I used CheQ to pay my HDFC Pixel credit card bill, and while the money was instantly debited from my account, the payment did not reflect on my card even after hours. The app claims transfers happen within 30 minutes, but in reality it can take up to 2 business days, which is misleading.

Customer support is slow and not easily accessible — there’s no direct helpline, only email or in-app tickets. For a financial app handling large payments, this lack of real-time support is unacceptable.

CheQ needs to improve transparency, speed of settlement, and provide reliable customer care. Until then, I cannot recommend it for critical payments like credit card bills.
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Bipin Kumar GuptaBipin Kumar Gupta

Response from developer

Hi Bipin! Sorry to hear about your experience. At CheQ, payments are processed at lightning speed and confirmation is also shared by your bank. In some cases, banks may take a little longer to update the card statement or reflect the payment. We appreciate your feedback on support and transparency, and we're continuously working to improve the overall experience for our users.

Never download Very Very Bad Service

very bad service when add money, wallet, 48 hour after get money, every time on hold very bad service, no customer support know anything, totally time, waste and money waste. If someone want tension, then download this app, am never never recommend this app to download. No need to do KYC totally fraud, totally time waste. I don’t have a word for say very bad service. No listen anything if you need money, so what can I do? Service very, very bad. I’m never say in my life, same like this. I say to company stop this app. Don’t play with customer. very bad service. Very very bad. I am never say anything my friend. Everything listen never download this app. Someone use this app, then getting very big trouble, very bad service. I say to all please report this app, then Apple developer remove this app.
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SonukhurmiSonukhurmi

Response from developer

Hi Sonu! Sorry to hear you’re experiencing this. At CheQ, such payments are settled instantly, a very few may take time due to security checks to ensure transaction safety. We believe your payment should have been settled. For any queries/concerns, please reach out via Help & Support in the app - our team can assist you further.

Deceptive practices regarding data and account deletion

If you have value your personal information, stay away.

I have been trying to delete my account, primarily because the rewards and benefits are useless, but the process is intentionally designed to keep you permanently in a loop of exhausting confirmations.

After requesting deletion in the app, I was forced to email them too. That email led to a request for reasons. After providing the reasons, I received a lecture justifying their stance and a request for another confirmation. Even after 4 rounds of back and forth, they still haven’t confirmed if my account or data has been erased. This is simply a retention tactic designed to tire users down until they give up, against all security protocols and a massive red flag for any fintech app. Avoid this app at all costs.
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Pranav MundhraPranav Mundhra

Response from developer

Hi there! Sorry to hear this experience - that’s not what we aim for. Account deletion should be simple and transparent. We’d like to review your case and help resolve this. Please write to support@cheq.one with your details, and our team will assist you further.

Excellent

CheQ is an excellent app for managing and paying credit card bills effortlessly. The interface is simple, smooth, and very user-friendly, making bill payments quick and stress-free.

What I really like is how it consolidates all credit card bills in one place and sends timely reminders, so there’s no chance of missing a due date. The cashback and reward points on bill payments are a great bonus and actually add real value. Payments are fast, secure, and reliable.

Overall, CheQ is a must-have app for anyone who wants smarter credit card management with rewards. Highly recommended! 👍
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Kk33141Kk33141

Response from developer

Hi there! Thank you for the amazing feedback! We’re delighted to know CheQ is helping you manage and pay your credit card bills with ease. It’s great to hear that the reminders, smooth payments, and rewards are adding value to your experience. We’ll keep working to make CheQ even better for you!

Disappointing Experience with Cheq App’s Wallet Service

The Cheq app offers a variety of services, but my experience with its wallet feature has been highly disappointing. Adding money to the wallet takes up to 48 hours, which is unusually slow compared to other digital payment platforms. Furthermore, transferring funds from the wallet to a bank account also incurs additional delays of several hours.

What makes the experience even more frustrating is the lack of transparency—users are not informed in advance about how long these processes will take. For a tech-driven service, this inefficiency and lack of clear communication reflect poorly on the platform.

Overall, the wallet service feels impractical and unreliable, and I would not recommend it to anyone seeking a smooth and efficient digital payment solution.
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LegbderLegbder

Response from developer

Hi there! At CheQ, wallet payments are designed to be instant, very few may undergo strong security checks to ensure the safety of your funds. These checks are made when the attributes of a transaction begin. That said, the app cannot confirm the settlement time in advance. The amount should have reflected in your wallet and been transferred to your beneficiary instantly or used for voucher redemption. For any questions, contact Help & Support. We're here to help.

Little bit disappointed

Why is there no option to mark a bill as paid? If we make a payment outside of Cheq, there should be an option to mark it as paid, along with the amount and how much has been paid. If it is fully paid, Cheq should also allow us to mark it as paid.

Currently, if we pay outside of Cheq, it still shows as unpaid and continues to send notification till new bill generates.

Also didn’t find an option for providing suggestions like this for app improvements thats why wrote here.
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itsmeshefiitsmeshefi

Response from developer

Hi Shefi! Thank you for sharing your suggestion. We understand the importance of marking bills paid for external payments and we're actively working to add this feature. Our goal is to make managing your credit payments easier and more accurate. Stay tuned for updates, and feel free to reach us via in-app Help & Support.

No customer support

I made a payment of more than 2 lakhs towards my credit card. The payment got deducted from my bank and got message of Cheq receiving the amount. But after sometime got message from Cheq that they are not able to remit it towards credit card (no reason provided) and they have initiated the refund. As per the message it would take 24 hours to reflect the amount. It’s been more than that and when contacted with bank they have no updates on the amount coming in and if you need want to contact Cheq there is visibly NO direct CUSTOMER SUPPORT CONTACT DETAILS, there is either a chat bot which is not able to handle this request or one needs to raised ticket with resolution timeline of 2 working days. This is really frustrating and don’t know where the money is, my due date is passed and now I need to bear the late charges because of Cheq.
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Customer_.Customer_.

Response from developer

Hi there! We regret the inconvenience. Your payment failed due to an issue at the receiving bank, and a refund was initiated immediately. This issue has since been resolved, and your future payments to this bank via CheQ should go through seamlessly.

Gives rewards you cannot redeem

This app gives you worst rewards in history of rewards apps. For every payment you get 1% chips and those chips are then use to give rewards.
First bad thing is that only 100 rs worth chips can be redeemed in one month. Second bad thing is that conversation of chips is 10 chips to 1 rs. Third bad thing is that apart from this there is no real rewards option. Alot of useless conditional vouchers for third class websites are given. Fourth bad thing about their rewards is that those conditional voucher are available for free on other websites, its total waste of chips.

I suggest you use ind money or navi app for credit card payments. Ind money gives you random upto 1000 rs cashback and navi gives you 1% absolute cashback.
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Guri4327Guri4327

Response from developer

Hi there! Thank you for your interest in Flipkart and Amazon vouchers. These vouchers are subject to availability, and we strive to keep a variety of options for our users. Please reach out to via Help & Support in the app and we’ll be happy to review the rewards availability and assist you in redeeming your rewards.

Very okayish

I thought of switching from CRED to CHEQ application, but thank God, I did not completely because this is not a reliable application. It will not tell you that the payments had failed and even if I failed. There are no notifications regarding that you yourself have to go back and check in the transaction history if the payment was successful because every time, even if you have a failed transaction. It will show that it was a successful transaction other than that the refund on the field transactions are not immediate. I had multiple failures for some utility bill payments, and those were not reflected upfront and the refund was also not initiated from this CHEQ application, because of which I had to need to make the payment of the credit card inclusive of the fail transactions as well on this application it could be good in terms of the CHIPS. As credit. Do not provide you much cashback but on the other hand, this is not a very reliable source. Because on CRED, you don’t have to keep track of the failed transactions. You don’t have to worry about the refund. Coming back to your source or not. But on this application, you have to be very invested about how your money is flowing.
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naazfarheen94naazfarheen94

Response from developer

Hi Farheen, we sincerely regret the inconvenience you've experienced. We understand how important a smooth and reliable payment experience is, and we truly appreciate your patience. Our team has already addressed your concern through the support ticket you raised. However, if the issue persists, we encourage you to reply on the same ticket, and we will ensure it gets the attention it deserves. Your experience matters to us, and we're here to assist you!

Terrible support. Uninstalled the app.

I am unable to make a payment for my credit card through the app, despite receiving notifications from the app prompting me to pay the bill for the same card. I raised a support ticket within the app, and they assured me I would receive a response within 24 hours. I have provided all necessary details in the ticket and have been following up for updates. However, to my surprise, I have not received any response, even well beyond the 24-hour timeframe.

Update: the support just give a generic response and close the ticket. I reopened the ticket multiple times but every time I got the same response. Terrible user experience and support. Uninstalled the app.
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Ranganath JRanganath J

Response from developer

Hi Ranganath, we regret the inconvenience you faced. Our team strives to resolve issues at the earliest, and we apologize if your concern wasn’t addressed as expected. If your issue is still unresolved, please reach out through the Help & Support section in the app, and we’ll ensure it gets the attention it deserves.

Amazing app needs some enhancements

Hi Team, The apps interface is pretty good and the payments are seamless. However , an option should be added to clear our dues manually if we pay that value directly through the bank account. Cred has this view currently so that I can manually update my due amount if I paid it through other platforms. The unavailability of this option has led to multiple reminders being sent for a due amount which I have paid already and unfortunately, I do not see an option to do it.
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Dhananjay VenkatesanDhananjay Venkatesan

Response from developer

Thank you for your feedback, Dhananjay! We understand your concern and are working on improving this experience. As of now, payments made outside our platform cannot be marked as paid, but you can refresh your bill details by going to the "Pay" tab for the respective card. Stay tuned for updates as we enhance our features!

Extremely Poor Service and Unresolved Refund Issue

I made a payment of ₹40,000 towards my credit card, which was successfully charged from my bank account. However, despite the refund status showing as completed on the Cheq app, I have yet to receive any funds back. I provided the requested bank statement, yet the issue remains unresolved.

To make matters worse, my credit card due date has passed, and I am now being charged late fees, all while the refund remains pending. The service provided by Cheq has been extremely poor, with no clear communication or resolution. It is highly frustrating to deal with this situation and incur additional financial penalties due to no fault of my own.

I expect immediate resolution and a clear timeline on when the refund will be processed and credited to my account
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thesachinthesachin

Response from developer

Hi Sachin, We're sorry to hear about your disappointment. While we typically process transfers instantly to your credit product with a 99% success rate, we want to understand the issue you faced and assist you in resolving it. Please contact us at support@cheq.one, and we'll be happy to help."

Pathetic Service and Support: Avoid Cheq App for Transactions!

I recently used the Cheq app to pay my credit send rent money, and I have to say my experience has been incredibly disappointing. I sent a rent payment of 50,000, and after three days, the transaction is still pending. The lack of timely processing is frustrating, especially when it involves important payments like rent.

Additionally, the customer support is virtually non-existent. I tried reaching out for assistance but received no response. This app fails to provide the reliable service it promises, making it a bad choice for money transfers. I do not recommend Cheq for any financial transactions, especially if you need timely payments. Overall, it's a frustrating experience with pathetic service.
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Fishan AijazFishan Aijaz

Response from developer

Apologies, Aijaz, for the delay in processing your rent payment. Typically, we ensure instant transfers, but we understand your experience wasn't up to par. Please reach out to our support team at support@cheq.one for swift assistance. Your satisfaction is our priority. We believe your issue must be resolved by now, and we have responded to your email.

Delayed payments

Very disappointed and dissatisfied from cheq,when your compiting with stallwarts in public platform,you have to be on point and be as fast you can like other compitator atleast,you have to be take on market you have give in best and special service ,instead you dragging your customers. This is the second consecutive transaction which is delayed payment.. this is my last time will be on your platform.. very very disappointed
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Rude behaviour of staffRude behaviour of staff

Response from developer

Hi there, We deeply regret any inconvenience caused by the delay in your payment processing. While our standard practice ensures instant rent transfers, we acknowledge that your experience fell short of expectations. Contact our support team at support@cheq.one for a prompt resolution. We are committed to your satisfaction.

Beware of CheQ: A Pathetic Experience

CheQ started off promising, but it's become a prime example of a company that prioritizes profit over customer satisfaction. Initially, they charged transaction fees, essentially looting customers with every payment made. However, once their customer base declined significantly, suddenly, the transaction fee disappeared. It's evident they were exploiting users for profit.

Moreover, their reward system is a joke. Offering a mere 1% of the entire credit card payment as rewards is insulting, and to add insult to injury, they've degraded the value of rewards to as little as 1/10 of their original value. This blatant reduction in rewards feels like a slap in the face to loyal users who helped build the app.

To make matters worse, their customer support is abysmal. Trying to get assistance from CheQ is like talking to a brick wall. They seem more interested in brushing off complaints than addressing genuine concerns.

In conclusion, CheQ is a pathetic company that cares more about lining its pockets than providing value to its customers. Steer clear of this app unless you enjoy being taken advantage of and treated poorly.
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Author - AppleAuthor - Apple

Response from developer

Hi Swarn Praksh, We acknowledge your perspective and want to assure you that our primary goal is to deliver a seamless user experience. The recent changes implemented were driven by valuable feedback from users like yourself. One significant improvement based on this feedback is the removal of processing fees, aiming to enhance overall user satisfaction. However, we also understand that changes might bring about concerns. To better understand your specific issue and address any queries you may have, we encourage you to write to us at support@cheq.one. Your feedback is crucial in shaping our services to better meet the needs and expectations of our users.

Lose more than you gain

Initially there were some great opportunities to redeem the cheq coins as on most of the platforms 1 cheq coin is equivalent to one rupee, but as time progressed, in the process of accumulating more coins so as to make a big redemption, i have found that the processing fee they charged is more than the value of the coins i have in my wallet. And the value of one cheq coin is 20 paise or sometimes even 10 paise on some good platforms like Reliance Digital or Croma etc. so this app really doesn’t add any value to yoir credit card payment. And one more thing tor example let’s assume one encashes a reliance coupon of 250 rupees, now in order to use this coupon one needs to spend 5000 rs, does this make any sense?
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Rajsekhar-1Rajsekhar-1

Response from developer

Thank you for your feedback, Rajsekhar. We're constantly working to enhance our rewards program. The processing fee is gone, and using CheQ Chips for bill payment is back too, effective immediately. We would love to hear more to cater to your needs.

Great platform to manager credit card bills and earn rewards

CheQ app is outperforms many credit card bill payment apps and manage to provide more rewards and offers than any other.
It has its unique features and simplify UI which enable you to pay the bill seamlessly.
One suggestion is to improve feature of reading emails and show the credit card bill amount with notification to user so that they don’t miss out due date and also to add feature to pay fractional (decimal) amount. As of now payment can be made only in whole numbers.
Rest everything is good and I love the payment option available again with cheq coins without processing fee.
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Venki9648Venki9648

Response from developer

We want to express our sincere appreciation for your invaluable support and positive feedback. Your kind words mean a lot to us, and we are thrilled to hear that you had an outstanding experience with our application. However please note that our system allows the retrieval of statements via email if you link your registered email securely within CheQ Safe. In case there is a particular issue that you might be facing, please do not hesitate to write to us at support@cheq.one

Uninstalling this garbage of an app !

Wanted to keep everyone apprised here ( Since they don’t share updates on policies and then change them as per their whims ! ). They used to give cashback for bill payments . They then changed them to coins which could you used to pay your bills which was decent ! Now they say you can’t use your coins to pay bills ! You can buy vouchers which most of them are useless . Where was the communication around this change ? All this is happening within a span of 3 -4 months . When I wrote to them they had the audacity to say stay back and still use our crappy app . What’s worse is they charge a processing fee which is quite high and expect you to use coins for vouchers which are not even useful ! My advice is to rather go pay the credit card companies directly rather pay 99 rupees for processing to pay my own bill ! Disgusted with your way of doing things !
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dars79dars79

Response from developer

Hi There, Every day, we're dedicated to enhancing our offering and deeply appreciate your feedback throughout our journey. Effective immediately, enjoy free credit card payments and the return of CheQ Chips for bill payments. We're dedicated to providing you with the best experience and rewards. #FeesGoneForever #FreePayments.