# CRED: Credit Cards, Bills, UPI — user reviews > 114 indexed App Store user reviews of CRED by Dreamplug, rated 4.84/5 from 597,109 ratings. - Source: https://appshunter.io/ios/app/cred-credit-cards-bills-upi/id1428580080/reviews - App overview in markdown: https://appshunter.io/ios/app/cred-credit-cards-bills-upi/id1428580080.md - Rating breakdown: 5★ 2,503 · 4★ 183 · 3★ 29 · 2★ 6 · 1★ 55 ## What do users think of CRED? Overall sentiment: negative **Pros** - ⭐ Convenient payment experience - 💳 Helpful for managing credit card bills - 🎁 Rewarding with cashbacks and offers **Cons** - 🤖 Unresponsive customer support - 🔍 Lack of transparency in payment processing - 🔢 Incorrect bill amounts displayed - 🚫 Unreliable payment tracking - 🛒 Overpriced products in the e-commerce section - 🔄 Frequent UI changes causing confusion **Commonly reported bugs** - Payment failures with no clear resolution - Delayed or missing refunds - Inability to update registered mobile number **Most requested features** - Improve customer support channels - Provide real-time payment tracking - Ensure accurate bill amount display - Introduce wishlist and price alerts for shopping - Maintain a stable and user-friendly UI ## Newest reviews (17 of 114) ### 2/5 — Credit card payments *2026-04-01, version 5.6.9* After the recent update I am facing difficulties making payment. Once I enter the payment amount and hit submit it doesn't load anything in the next page. Tried flight mode on/off, Reset network settings on the iPhone. But nothing works. ### 1/5 — The worst of customer supprt *2024-11-01, version 4.8.2* If you are expecting any support from their support team just forget it they will put the blame on you that you have selected the option while the the UI had the problem and the bug .. Please pay attention to every screen to smallest tick marks or else you will loose your hard earn money Screen 1 Shows House rent when you go ahead with the payment on the 2nd screen it automatically tags under tuition fees and these people do not understand this simple bug and claiming to be tech company and putting the blame on the customer that you should have selected the wrong option and they irritated me to the core i dont know what kind of service level they are maiming it My morning has been ruined by these people the way the support team spoke while just trying to highlight the thing that what i faced the other should not face rather than taking the feedback they put up a blame on you only such pathetic services and UI too ### 1/5 — Making fraud like Paytm *2024-09-04, version 4.7.5* I am using Cred from many years. I have paid 123 credit card bills so far which was said by cred through email. I have paid a credit card bill payment on 3rd September for the bill which was due on 4th September. Post paying the bill the status was it is successfully aid to one card in 30 mins. Since I paid through cred I ignored the credit card app reminder . Today on 4th September at 8:54 pm I received a WhatsApp message saying my payment got failed. How it is failed when the status showed as successfully paid? And it is informed after two days. What if my due date was 3rd September? Are you guys trying to launder money by holding it for two days and returning it to customers? This is not the first time i am experiencing this. My request to all fellows don’t believe third party apps. Always pay your bill directly with the respective apps. I am going to post the same thing in linkdin with proofs. Boycott Cred. ### 1/5 — Pathetic Insurance service *2024-08-26* I applied for renewal of my vehicle insurance within the expiry of the existing insurance. Cred app gave false offers on insurance renewal premium and when I applied and made the payment, the app threw an error during the activation of the insurance. When I raised a customer support ticket, for this error, they gave false assurances that it will be resolved quickly but asked me to wait for maximum 1 week. They didn’t bother to give any updates and when I called on the penultimate day to know the status they asked me to again wait as the maximum period was not over! And that the team was working studiously on resolving the issue but funnily they couldn’t even explain what was the issue in the first place after working on it for 5 days! After the expiry of the given waiting time, they just canceled the insurance without even bothering to provide an explanation as to what was the issue and why insurance was canceled. When probed to their customer support, there are blaming the insurance company, then what the heck is Cred’s accountability, just saying “we are very sorry for your experience and will try to improve in future” This is just pathetic service. If you can’t handle then don’t get into this business. I’m not going to regret any body to this pathetic app ever! **Developer response:** Dear member, we truly regret to hear about your experience with the vehicle insurance renewal process. We understand how frustrating and stressful this situation must have been, especially involving your vehicle insurance. It’d be great if you could email us at pearl@cred.club using your registered email address/phone number. We’ll reach out to you! ### 1/5 — The application is not suitable for credit card payment *2024-07-28, version 4.7.1* This app is completely useless and the customer service has deteriorated. I want to share my experience. In the month of July, two payments made through this app were declined, even though the amount was deducted from my account. CRED refunded my money after 4-5 days, causing the credit card bank to impose charges on me. When I talked to CRED, they asked me for a statement. After getting the statement, they said I made the payment one day after the due date, hence the charges. However, they didn't address the payment that was declined due to their fault. Nowadays, even if you make a credit card payment after the due date, the bank provides a one-day grace period, and in my case, the bank has always done this. Therefore, give this app a zero rating and close it; otherwise, what happened to me can happen to you as well. ### 1/5 — Worst Customer Support *2024-07-04, version 4.6.2* I am writing to express my extreme dissatisfaction with the handling of my recent SBI credit card payment through the CRED app. Despite initiating the payment well before the due date of July 2, 2024, it is still listed as “processing.” This delay is unacceptable and will undoubtedly have serious repercussions. Due to this unnecessary delay, my credit score is at risk of being negatively impacted, and I am likely to incur a fine. This situation is entirely due to the inefficiency of the CRED payment processing system and the lack of responsive customer support. I contacted CRED customer support several times, hoping for a resolution, but received no helpful assistance. The service has been nothing short of useless and has only added to my frustration. I urge CRED to address this issue immediately and ensure that such lapses do not occur in the future. This experience has severely damaged my trust in your services, and I am now considering switching to another provider. ### 1/5 — Rigged System showooff third class *2024-04-02* 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 😏👍 **Developer response:** Hi Mack, we’re unhappy to see that you’re not enjoying the rewards on the app and would love to connect with you to understand what can be done to improve your experience. It’ll be great if you could email us at pearl@cred.club using your registered email address/phone number. ### 1/5 — Recovery goons *2023-11-22* One of my friends missed an emi coz of a temporary financial crisis. He emailed cred and also spoke to number of executives on incoming calls from cred assuring that he intends to pay the cred cash he had availed and also is willing to pay any penalty fees applicable. Inspite of updating he is being bombarded with persistent calls every 10-15 mins. When he answers the calls and tells them he has already updated the information and wants to stop these calls they say “u ll get calls since u have taken money” “calls are system generated” and when asked to check the data on the system they say “we dont have any”. Not only this they also misbehave speak badly abuse over the calls. Some people disconnect the call and call on whatsapp or call from some other number since he started recording these calls, the sole purpose of calling on whatsapp and from other numbers is to abuse and harass. He is been mentally harassed by these callers from cred and has become frustrated and has developed anxiety and other health and mental issues. Cred hires goons to recover money even after charging late fees interest and other charges. I m disappointed to see such u professionalism from cred. Worst app ever ### 1/5 — Hires goon to threaten and harass customers *2023-11-22* One of my cousins missed an emi coz of a temporary financial crisis. He emailed cred and also spoke to number of executives on incoming calls from cred assuring that he intends to pay the cred cash he had availed and also is willing to pay any penalty fees applicable. Inspite of updating he is being bombarded with persistent calls every 10-15 mins. When he answers the calls and tells them he has already updated the information and wants to stop these calls they say “u ll get calls since u have taken money” “calls are system generated” and when asked to check the data on the system they say “we dont have any”. Not only this they also misbehave speak badly abuse over the calls. Some people disconnect the call and call on whatsapp or call from some other number since he started recording these calls, the sole purpose of calling on whatsapp and from other numbers is to abuse and harass. He is been mentally harassed by these callers from cred and has become frustrated and has developed anxiety and other health and mental issues. Cred hires goons to recover money even after charging late fees interest and other charges. Pleas donnot use this app orany service from them. Any which ways they dont offer any thing as rewards. Only coins to play stupid games and win coupons whoch u get free everywhere. I was wxpecting cred to be very professional but i m really disappointed ### 1/5 — Great SERVICE idea worst execution *2023-10-13, version 4.1.6* Stop playing sounds when the device is on silent don’t know how this got approved . Sound is played every time rewards , redemption of coins etc In all the screen user doesn’t have to click on mute idiots save it in defaults. 1. Recent updates with UI UX is the worst . Application is hard to navigate , all the functionality needs extra tap to reach . Icons hardly visible in dark and reading mode 2. Shop features have great new product- looks like they never want to give you search option. No way of saving to wish lists . 3. NEVER BOOK STAY USING CRED THE RATES ARE USUALLY 1.5-2x more than regular price - check with hotel before booking. All the extra features with booking are worst. 5. You never win jackpot waste of time 6. You can’t turn off audio sound while playing jackpot / rewards it even plays on silent mode . You can’t skip the animation . Animation kills battery life ### 1/5 — Worst customer service *2023-10-12* NEVER USE THIS APP TO MAKE PAYMENTS UNLESS YOU WANT YOURSELF TO BE MENTALLY HARASSED OR IF YOU WANT TO COMPLETELY WASTE YOUR PRECIOUS TIME, I have tried to made a payment from my credit card through the app and the amount was deducted and also I got SMS for the same, but it was never credited to the second party And when I raise a complaint, I am getting same computer generated message that it will get updated that’s it. I am not able to go through after this because it never give me the chance to create a ticket. and the biggest head is they don’t even have the customer care number so I again try to create a ticket by opening a ticket and different transaction then SURPRISE SURPRISE!! I am getting same computer generated message on mail for this time they don’t even bother to call the customer and when finally they told me that we will update you for the same on after a week but I didn’t get any resolution till now no matter what I do. They just sending me the same message again and again that our team is working on your issue and you will get update within two working days. I bet if anyone fall they will not be able to do anything apart from sending mail on rubbing hand and thinking there is my money you will be mentally harassed because of their useless customer service system. ### 1/5 — Frustratingly Unpredictable: CRED's Ever-Changing UX *2023-10-05, version 4.1.5* Unfortunately, my experience with CRED has been quite frustrating lately. The constant changes in the app's user interface have made it increasingly complex and confusing to navigate. It seems like every time I open the app, there's a new layout or feature that I need to figure out. While I appreciate the idea behind CRED and the rewards it offers for credit card bill payments, the frequent changes in the app's design and functionality have made it more of a hassle than a helpful tool. It's becoming hard to keep up with how things work, and it feels like I have to relearn the app every few weeks. I believe that a stable and user-friendly interface is crucial for a financial management app like CRED. These constant changes only add unnecessary complexity and frustration to the user experience. I hope CRED can prioritize consistency and user-friendliness in their future updates to make the app more reliable and enjoyable to use. ### 1/5 — Unable to regain account access *2023-09-12, version 4.1.3* There is no way to regain access if we lost our number. This is not a great way. Even banks do have options to update mobile number if we lost the number, but cred doesnt. And also the reply time is so pathetic. Also each time message is sent it feels like new ticket is being created because there is no followup. ### 1/5 — Useless app *2023-09-02, version 4.1.2* Useless app as it is made to pay your bill and reminder which is already done by the card companies so why need this app. I was on this app but no more ### 4/5 — Lost cryptocurrency recovery *2023-08-08* I was so impatient to carry out necessary research but i really wanted to jump on the crypto trading and investment buzz. Unfortunately for me, I invested 80,000 GBP worth of bitcoin with a fraudulent company. I was happy to watch my account grow to 280,000 GBP within a couple of weeks. But i didn't realize i was dealing with a scam company, until i tried to make an attempt to withdraw. I made a withdrawal request, and noticed my account was suddenly blocked for no apparent reason. I tried contacting customer support, but all to no avail. I needed my money back at all cost, because i could not afford to let it go. So i tried all possible means to make sure i recovered my scammed bitcoin. I did a lot of online search for help, and tried to see if there were other people who had any similar experience. I stumbled upon a cryptocurrency forum were a couple of people mentioned that they had been through the same process but were able to recover their lost cryptocurrency, funds with the help of itech koa. So i file a report and he was able to help me get back all my lost funds within two weeks. I will recommend anybody who wants to recover scammed bitcoin, stolen cryptocurrency, funds lost to binary options forex, investment and any other form of online scam, reach out to itechkoa@Gmail. ### 1/5 — No customer support *2023-08-08, version 4.0.9* Worst application ever . No customer fake auto support on cred app useless app please avoid to use this app for paymets an loan i raise ticket on 28th july ticket has to be close on 7th aug as per cred solved still no response an no response ticket # 9436857 ### 1/5 — Worst application ( Complaint to Fraud Department) *2023-07-29, version 4.0.9* Worst application ever I known, which not having A customer support or customer care number or customer care gallery places, If we raised ticket than you don’t look into it seriously or sincerely but when we deactivate our than uh call us without any ticket. If someone get into some serious cyber fraud Than your team doesn't revert or look into it Such a worst app do not have any communication way. How someone call youu or contact you you only have one headquarter which is in Bangalore. I raised two tickets but got no calls or emails from you. How someone can contact you??? We don’t have any options. If you give a loan option so easily than at-least you should have a good communication way , Customer cares and galleries contacting number where we contact you easily. Upgrade your application security so that anyone easily hack your app. Thank you hope so I’ll get some solution or contact from you. ## Most critical reviews (10 lowest-rated) ### 1/5 — Very bad experience with this app. *2026-08-17* I have been using the CRED app for a while, but my recent experience renewing my Digit Insurance policy through them has been completely unacceptable. If you are thinking about paying for essential services like insurance through this app, do yourself a favor and pay the provider directly. The Payment Issue I bought my Digit Insurance policy via the CRED app. The payment was deducted from my account immediately, but it has been 5 days and the transaction has still not reflected in the Digit app. Because of this, my policy has not been approved till date. Insurance is a time-sensitive necessity, and being left without active coverage for almost a week because of a third-party gateway failure is incredibly stressful. Abysmal Customer Support The worst part of this entire ordeal is CRED’s customer care system. Despite their official marketing claims that their in-app support is handled by "people who understand your time matters", reaching out to them has been a complete waste of time. Instead of actively investigating why the payment hasn't been credited within their stated 7 dayswindow, their support executives just give robotic, scripted replies saying, "I will raise your concern." There is absolutely no urgency, no follow-up, and no real help **Developer response:** Hi Shubh, we’d like to review the insurance payment and understand why the policy status hasn’t been updated yet. Please reach out to us at pearl@cred.club with the relevant transaction and policy details, and our team will investigate this further. ### 1/5 — Not showing fi app option as upi *2026-01-05, version 5.5.9* Not showing fi app upi option as upi payment option ### 1/5 — Poor Customer Support *2025-12-21, version 5.5.9* Delivered a faulty product, return was requested the same day, pictures were uploaded but still delivery has not been arranged. What a terrible platform for shopping. Third quality product are sold on this platform now. ### 1/5 — Not worth for high users of Credit Card *2025-11-19* After using CRED for 4 months and making substantial amounts of payments for all my credit cards, I have to conclude that this app is not that rewarding for the hype it has been spoken about. True that the UI is providing a good experience but for any Credit Card User who spends more than a lakh of rupees as credit card spends, will find this disappointing. The only thing advantage here is it consolidates all in one place and payment is made easy. But EOD the high spender of credit cards are better taken care by the banks itself and there I found the rewards worthy. It’s a big learning that we continue to manage our cards on our own instead of accumulating in one place and facilitating revenue for someone with no rewards back, doesn’t make any sense. And for all this why sacrifice our privacy of sharing mail etc and after all these, it’s a faceless company as there no number to speak to anyone. The bot has an option but the kinda repeat questions it has been programmed with make you feel come out of support window. When a company is afraid to face customers with a calling in facility, it’s clear that the customers are going to suffer. To conclude, it’s better that we manage our cards on our own and enjoy services directly from banks rather make someone earn money from our hard work. And this is just another hyped business. ### 1/5 — No customer support *2025-10-27* I made a payment for my credit card through the app and the amount was deducted and also I got SMS for the same, but it was never credited to the second party And when I raise a complaint, I am getting same computer generated message that it will get updated that's it. I am not able to go through after this because it never give me the chance to create a ticket. and the biggest head is they don't even have the customer care number so I again try to create a ticket by opening a ticket and different transaction then SURPRISE SURPRISE!! I am getting same computer generated message on mail for this time they don't even bother to call the customer and when finally they told me that we will update you for the same on after a week but I didn't get any resolution till now no matter what I do. They just sending me the same message again and again that our team is working on your issue and you will get update within two working days. I bet if anyone fall they will not be able to do anything apart from sending mail on rubbing hand and thinking there is my money you will be mentally harassed because of their useless customer service system **Developer response:** Hi Ajay, we understand that you have not yet received the expected assistance from our end, and we would like to set things right. Kindly drop us an email to pearl@cred.club with your registered phone number. ### 1/5 — CRED’s “successful payment” ruined 20 years of perfect credit *2025-10-10* I made a payment to my HDFC credit card through CRED one day before the due date. The app showed the usual green-tick confirmation saying the payment was successful so naturally, I trusted it. What CRED conveniently did behind the scenes was silently refund my payment, claiming it “failed to reach” the bank without a single notification, email, or alert. I only discovered this after my credit card payment was marked late and my spotless 20-year credit record was damaged because of their failure. When I contacted CRED customer support, instead of owning up to their mistake, they arrogantly refused to acknowledge any fault, choosing instead to blame the bank for “not accepting the payment.” If the bank never received it, why did CRED’s own system show a “successful” confirmation and debit the amount from my account? This kind of deflection and lack of accountability is shocking for a company that handles financial transactions. Rather than investigating or taking ownership, their team was dismissive, robotic, and entirely unwilling to even admit that something went wrong on their end. Their behavior shows a complete absence of responsibility, transparency, or basic customer ethics. CRED’s silence, evasive responses, and refusal to take accountability make this entire experience feel like a scam wrapped in branding. If an app can’t guarantee that a “successful” payment is actually successful — or at least notify users when it isn’t — it has no business handling anyone’s money. This negligence cost me a flawless credit history built over two decades, and their utter lack of accountability made it worse. If you value your money or your credit score, stay far away from CRED. **Developer response:** Hi User, we make sure our valued members are not impacted in any way when it comes to unexpected or unseen delays with transactions. Kindly share your contact details with us at pearl@cred.club so that we can reach out and assist you further. ### 1/5 — Alarming Discrepancy in Electricity Bill Payment - CRED's Response Falls Short *2025-08-02, version 5.3.2* I'm writing to share my disappointing experience with CRED's electricity bill payment service. On [Date], I paid my electricity bill through CRED, but the amount reflected on the platform was incorrect. The bill amount on CRED showed ₹4996, whereas the actual bill from BESCOM was ₹2498. I raised a ticket and reached out to CRED's customer support, highlighting the integrity concern. To my surprise, the support team's response was that I should manually recheck all bills before paying through CRED. This response is alarming and unacceptable. As a bill payment platform, CRED's primary responsibility is to ensure accurate bill amounts. Their suggestion implies that users are responsible for verifying every bill, which defeats the purpose of using a convenient payment service. I'm concerned about the potential discrepancies in my past bill payments, including credit card bills and other utility bills. CRED's handling of this issue has been horrible, from the beginning to the end. ### 1/5 — Worst customer support *2025-03-14, version 5.0.2* Don't use cread and don't buy products from cred... Worst customer support. Worst product's. No proper return policy. Used products are delivered. I had ordered the product nexlev mattress vacuum cleaner on 11th Feb 2025, the product was delivered to me on 15 , as the product was defective and I created a return request on 18th Feb, but the product was not picked up by the pickup agent, and I called the customer service on the next day, they told me to wait for 48 hrs for the product to be picked up.. But no one came and picked the product. On 22 Feb the return window was closed.. and the customer service people had told me that by 28th the product will be picked. Again I called the customer service 3 more times on every 3 days apart. But every time these people in customer service had told me that they will resolve the problem and do the refund soon.. it's been a month for today and I finally called the customer service regarding the pickup of the product.. but what she told me is that the return window is closed and the product will never be picked up. And nothing can be done from their side... This was the response I got from the Soo called Customer support... Soo using cred is completely waste and many a times they do send damaged producs. I have got 4 damaged products which are non returnable.. and even the returnable products are also not picked up.. ### 1/5 — Poor Delivery Service and Lack of Accountability *2024-11-07, version 4.8.2* While Cred initially impressed me as a financial app, their move into product sales has been a letdown. I was excited to see big brands available, but my experience with Cred’s delivery process has been frustrating and disappointing. Orders routinely take over 10 days to arrive, and there seems to be no consistent tracking system or accountability for delays. Unlike other e-commerce platforms, Cred doesn’t seem to prioritize customer satisfaction in its delivery service. There’s minimal communication once an order is placed, and customer support isn’t very helpful when it comes to getting updates on delayed orders. I had hoped that Cred’s attention to detail with financial services would carry over to this new offering, but it feels like the delivery side of things lacks the quality and reliability one would expect. I hope Cred makes serious improvements to their logistics and establishes better communication with customers to provide updates on delayed orders. A faster, more reliable delivery service with real-time tracking would go a long way in restoring confidence in this service. ### 1/5 — Shiny outside and SUPER DUPER FAULTY INSIDE *2024-11-04* What kind of app when you can’t even reach for the support! Frequent payment failures! Once I paid credit card bill on the very early midnight of the overdue it’s because of their services made me fail many times and they took whooping six days to pay the payment and when I contacted support they sent me a mail and asked to click the link to make a call and that link doesn’t even work and I have mailed them several times but they only respond we are not responsible for the late fee! First of all no care a rats left nut about your responsibilities, my question is simple, why did it take whooping six days to reach my payment. And I forgot about it and I moved on, then again even on the early payment, they sent me some stupid WhatsApp text that it has failed and they have PROBLEM REFUND MY MONEY, which is despite I set the refund account. They say NEED MORE HELP, then when I tap that, a dialog box with some text which is the refined replica of the WhatsApp text, and the reply option is ONLY ONE and that is OKAY, shame on you guys. You can’t even refund properly. And moreover you can’t even reply properly to mails. ONE STAR IS JUST FOR UI. And finally THE GARAGE, you’re giving my brand new car 12lac value, and it’s Skoda Kushak, which is only 2months old and I bought it for 20lacs. This App is pure joke. ## Most praised reviews (10 highest-rated) ### 5/5 — Thanks for a Great Experience: Suggestion for Improving Transaction Speed on Cred *2024-08-12* I've been using Cred for almost a year now, and it has truly enhanced the way I manage my credit card bills, utilities, and more—it's a game-changer in terms of user experience. However, as Cred looks to rival Paytm and GPay in the realm of bank payments, there's a crucial improvement needed: the QR scan option. Currently, accessing the QR scanner involves multiple steps, which creates unnecessary friction, especially in time-sensitive situations. Placing the QR scan option prominently on the front page would significantly streamline the payment process, making Cred a more viable option for quick transactions. When you're in a situation where every second counts, like making a late-night purchase, the speed of access can make all the difference. I hope this feedback helps in making Cred even more efficient and user-centric." ### 5/5 — Review *2023-11-30, version 4.2.0* Incredibile ### 5/5 — Credit card *2023-10-12, version 4.1.6* Very good same time amount credit to my credit card account ### 5/5 — Excellent *2023-05-19, version 4.0.3* Very nice and excellent… ### 5/5 — Worst Customer Service Experience *2023-05-14, version 4.0.2* Where do I start from. I have had the worst of the worst customer service experience from CRED. The multi talented customer service agents from CRED have consistently failed to understand what needs to be done and still they have failed to solve the query for which I had reached out to them in the month of March and the email chain is still on going. I’m so impressed from the impeccable service that though I mentioned that I will delete the app (of course once my query is solved) as I’m sick and tired of it, they have shown no urgency to have the query addressed. Even the wannabe applications in the market show some seriousness compared to CRED. I have nothing more to say as I am 100% sure that this feedback will be ignored like my emails. ### 5/5 — Fast forward… *2023-02-04, version 3.2.0* Nice app… for credit card payments… ### 5/5 — CRED Friend *2023-01-24, version 3.2.0* CRED App is the single stop for all payment gateways with single clicks. ### 5/5 — Lots of animations - satisfiying and disappointing. *2022-11-18, version 3.1.6* CRED app started out great with all the satisfying animations and beautiful UI. But when I started using the app excessively for UPI, the animations feel so annoying. Scratching a card (like in phonepe, gpay) still feels great as we are the ones scratching but in cred its like we just touch and wait for a 5-6 second animation to finish. I think the UX really need to change there because as far as I know, people are not really enjoying this. For credit card payments too the jackpot machine did felt annoying at some point. It has wasted me a lot of time making me spin and wait just so that it can disappoint me with a worthless reward. Definitely it is because I have not been able to win anything worth that time I have spent spinning the jackspot machine. ### 5/5 — Excellent speedy payment through CRED any time anywhere👌 *2021-11-07, version 2.7.4* I enjoying payment of my cards using CRED. It is advised to provide add on facilities to card holders such as international Lounge management during travel people like us after surgery. ### 5/5 — Best app for me 👍🏻 *2021-08-20, version 2.6.8* 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 😊 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-09.*