Stealth • 8m
After being lured in by the fancy ads and community talk, I joined the app about 6 to 7 months ago, only to find it's just another UPI app with nothing exclusive. Since installing it, I've never felt its necessity. Here's why: 1. Despite claims of selling premium products, it primarily offers cheap Chinese goods. There's a lack of branded items and variety, with only a few Shark Tank featured brands available. 2. The app has shifted focus from being a credit card app to simply another UPI platform with a mediocre e-commerce store. 3. The reward system is abysmal; Cred coins hold little to no value, and the in-app games resemble those found in online gambling and betting apps, offering minimal rewards. Honestly, I believe Paytm has achieved what Cred aims for. Even I've switched back to Paytm for all my financial activities, but then all paytm bank issue happened.
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