CRED: Credit Cards & Payments 4+

Cred team support few staff are not attentive because of which customers face issue

I paid the electricity bill which shows me still in processing after 7 days. On contacting the support team they told it got failed and amount wilm be returned in 2-3 days. After 3 days on following up they asked the latest bank statement. I did shared the transaction history on the same day. They checked it on next day and emailing that statement is not latest. They are moving this back and not providing therefund. Although shared the screenshot where amount was deducted with transaction id they are not even checking in their system for the refund was ever initiated or not. Later after complaining got a call from escalation team who debugged the issue on call and they confirmed the glitch in app of showing text (in processing) and that refund was processed in other source and not the orginal source. Escaltion team resolved the issue however the previous support team was not so attentive and neither put effort on understanding and solving the issue.

Transfer to wrong acc-claimed users fault

I have been using CRED for the past 2 years atleast and faced no issues on the same. However, of late, I added a new credit card from hdfc and tried to make my first payment. I could see that once I added it all my original transactions made on card were being reflected. I proceeded to pay my due. Apparently CRED traced someone else’s account based on my details and went ahead and processed repayment to them. Now is the funny part. They asked me to reset the card as the old details were still pointing to someone’s else’s account ( which I find really hard to believe coz the transactions were still mine) I proceeded to re-add and this time they concluded that I should reach out to hdfc to trace the transaction using the utr they provided and if in case, I can’t, I have to get a reply from hdfc exclusively in the format they provided. Now hdfc isn’t my best bud to comply to all that. They clearly stated on call that they can’t even trace this as a complaint. Now my credit card due date is nearing and this issue is unresolved, I asked CRED if they can take care of the last payment fee as well. There comes the twist. They blamed the entire issue as my fault since some 1 rupee validation check was not done ( which is specified nowhere as a disclaimer prior to payment).
There has been back and forth and the sad part is can’t even call them. Never using this app again nor recommending it to anyone.

Rigged System showooff third class

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.