Cred App Review 2023 – My Honest Review

Cred is a financial technology (fintech) app that aims to help people improve their credit scores and manage their credit card bills more effectively. It was founded in 2018 by Kunal Shah a well-known entrepreneur in the Indian startup scene.

How It Works:

To use Cred you need to download the app and create an account. Once you’re logged in you can link your credit cards to the app and start managing your bills from there. Cred offers a range of features to help you stay on top of your credit card payments including bill reminders payment scheduling and even rewards for timely payments.

Rewards Program:

One of the unique aspects of Cred is its rewards program which offers users points for paying their credit card bills on time. These points can be redeemed for a variety of perks including discounts on e-commerce websites cashback on certain purchases and even access to exclusive experiences like VIP events and luxury travel packages.

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Safety and Security:

Cred takes user safety and security very seriously and the app is protected by advanced encryption and multi-factor authentication. Additionally Cred does not store any credit card information on its servers which adds an extra layer of protection for users.


  • Easy to use and navigate
  • Offers helpful features like bill reminders and payment scheduling
  • Rewards program offers a variety of perks and benefits
  • User safety and security are a top priority


  • Only available for credit card users
  • Rewards program may not be as valuable for users who don’t frequently use credit cards

Customer Service:

In terms of customer service Cred offers 24/7 support through its in-app chat feature. Users can contact Cred’s customer service team with any questions or concerns they may have and the team typically responds within a few minutes. Additionally Cred has a robust FAQ section on its website that covers a wide range of topics related to the app.

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User Interface:

Cred’s user interface is clean modern and intuitive making it easy for users to navigate and find what they need. The app’s main dashboard displays a summary of all linked credit cards including outstanding balances due dates and rewards points earned. Users can also view transaction histories set up payment reminders and schedule payments directly from the dashboard.

Improving Credit Scores:

One of the primary goals of Cred is to help users improve their credit scores over time. The app provides users with personalized insights and recommendations based on their credit history and payment behavior. These insights can help users identify areas where they need to improve and take action to boost their credit scores over time.


While Cred offers many useful features there are some limitations to the app that users should be aware of. For example Cred is currently only available for credit card users which means that people who primarily use debit cards or other payment methods may not find the app as useful. Additionally some users may find that the rewards program doesn’t offer as much value as they expected depending on their spending habits and lifestyle.

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Overall Cred is a well-designed and user-friendly app that can help people manage their credit card bills more effectively and improve their credit scores over time. The app’s rewards program is a nice touch but users should be aware of the limitations and make sure that it aligns with their spending habits and goals. If you’re looking for a simple and straightforward way to manage your credit cards Cred is definitely worth checking out.

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