{"id":24657,"date":"2020-09-25T09:40:06","date_gmt":"2020-09-25T09:40:06","guid":{"rendered":"https:\/\/manikarthik.com\/blog\/?p=24657"},"modified":"2022-08-11T04:18:28","modified_gmt":"2022-08-11T04:18:28","slug":"cred-review","status":"publish","type":"post","link":"https:\/\/manikarthik.com\/blog\/cred-review\/","title":{"rendered":"CRED Review: Is it safe?"},"content":{"rendered":"\n

If you don’t know what CRED is, you’re a hermit living in the Himalayas.(Probably not a good example. They know.)<\/p>\n\n\n\n

I came to know about CRED a few years ago when I came to know that one of my favorite artists Harish Sivaramakrishnan, was the dude who was behind the look and feel of the app.<\/p>\n\n\n\n

Wait I’m making it look like some kind of fun app, but CRED is not. In this article, we will review CRED.<\/p>\n\n\n\n

(Gawd, I love that black everywhere branding!!!!)<\/p>\n\n\n

\n
\"CRED<\/figure>\n<\/div>\n\n\n

What is CRED<\/h2>\n\n\n\n

CRED is a mobile app that gives you a reason to pay your credit card bills (Yes, I’m looking at you man.)<\/p>\n\n\n\n

We all pay credit card bills. We have to jump through fire, run a half marathon and sometimes almost kill a bank employee to.<\/p>\n\n\n\n

CRED solves all of that.<\/p>\n\n\n\n

It’s a nice little app (and a beautifully well designed one) that earns you points and rewards, while you pay your credit card bills.<\/p>\n\n\n\n

Matlab, you are anyways paying your bills, so why not pay through CRED and get a gift voucher from Allen Solly or something?<\/p>\n\n\n\n

Yes, CRED earns you points and rewards for paying credit card bills.<\/p>\n\n\n\n

Why use CRED when you can pay your bills directly with the bank?<\/h2>\n\n\n\n

“I love my bank.”<\/p>\n\n\n\n

Said nobody ever.<\/p>\n\n\n\n

Boss, if you have been to a bank, you know that they don’t fucking care.<\/p>\n\n\n\n

They’re usually just buying time from you. If you have to find a solution to your problems, you either have to lose your dignity and shout at the top of your voice.<\/p>\n\n\n\n

Or use CRED.<\/p>\n\n\n\n

You see, when I was in the US (yeah yeah), there were apps that’d let me manage my money. Read that line again.<\/p>\n\n\n\n

Apps that would let me manage my money? Really.<\/p>\n\n\n\n

It’s my money BC.<\/p>\n\n\n\n

Why would you “LET” me manage it? I manage it.<\/p>\n\n\n\n

Anyways, so when I used these apps, I was like, if only somebody rewarded me for all the bills I’m paying.<\/p>\n\n\n\n

And when I returned to India in 2018, I met CRED (or soon after, I don’t remember.) And it’s been an amazing experience.<\/p>\n\n\n\n

To be completely honest with you, it’s not the feature that I love CRED for (or Harish).<\/p>\n\n\n\n

It’s the fucking branding man. Look at it.<\/p>\n\n\n\n

All black (my favourite colour btw). So clean. So balanced.<\/p>\n\n\n\n

I can see Harish’s visual music notes all over CRED’s design! <3<\/p>\n\n\n

\n
\"What<\/figure>\n<\/div>\n\n\n

So, is CRED safe?<\/h2>\n\n\n\n

You mean, will they steal your money?<\/p>\n\n\n\n

Probably not.<\/p>\n\n\n\n

But I get your point.<\/p>\n\n\n\n

Is your information safe? Well, as safe as you using Gmail to store all your emails and WhatsApp! Duh.<\/p>\n\n\n\n

You see, CRED is a leverage. You can use your clunky bank portals and apps to try and pay your bills. (I might as well run a fucking marathon trying to do that.)<\/p>\n\n\n\n

But CRED gives you an option. To pay the bills anyways. And while at it, eat an ice cream man.<\/p>\n\n\n\n

I like ice creams FYI.<\/p>\n\n\n

\n
\"CRED<\/figure>\n<\/div>\n\n\n

How does CRED work?<\/h2>\n\n\n\n

Step 1 – Add all your credits to CRED.<\/p>\n\n\n\n

Step 2 – Pay all your credit card bills through CRED<\/a>.<\/p>\n\n\n\n

Step 3 – Earn “Coins”.<\/p>\n\n\n\n

Earn CRED Coins<\/strong><\/p>\n\n\n\n

For example, if you pay a bill of 5300, you would get CRED coins worth 5300. There is no minimum value to earn CRED coins. <\/p>\n\n\n\n

Step 4 – Buy stuff with CRED coins.<\/p>\n\n\n\n

You can use CRED coins to redeem various gifts\/vouchers for online and offline stores.<\/p>\n\n\n\n

What can I buy with CRED coins?<\/h2>\n\n\n\n

CRED has some 60 odd partners across India from where you can buy stuff using CRED coins.<\/p>\n\n\n\n

They got all cool folks like Myntra and stuff. Sweet deal!<\/p>\n\n\n\n

Not all is great though.<\/h2>\n\n\n\n

In all honesty, not all is great with CRED.<\/p>\n\n\n\n

When I tried it for the first time, it broke. Matlab, I wasn’t able to add my credit card and\/or pay bills through it.<\/p>\n\n\n\n

It didn’t recognize I had a credit card. Perhaps because I was fresh off the boat NRI, who just got a SBI Simply Click card<\/a>.<\/p>\n\n\n\n

But then it fixed it later and I’ve fallen in love. <3<\/p>\n\n\n\n

Will you recommend CRED?<\/h2>\n\n\n\n

Yes, absolutely. Use it with Harish’s song playing in the background.<\/p>\n\n\n\n

Just for the heck of it.<\/p>\n","protected":false},"excerpt":{"rendered":"

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