Cred Garage: Anybody who works at Cred and can help me understand the reasoning behind this product?

Like fuck me, the entire video about the real world car moving through the real world, entering an actual garage and all of that to in the end basically sell me a tracker for my e-Challans and Fastag. 🤦‍♂️

All the cool marketing and UI/UX aside I find myself wondering what's up with Cred? Here are my questions, knowledgeable product folk or better yet people from Cred or who worked at Cred can you please help with the following questions (and associated complaints) 1) What's the point of the store anymore? The brands are actually far less premium than they're made out to be. Plus you don't get access to exclusive products. 2) The reward system is just sad now, why have they changed the logic and reduced the monetary rewards so much? What were just PLG features like earning cashback for referrals is a voucher now plus the Rs. 1 cashback is just insulting at this point. 3) I used cred cash once and I'm not going to need much more. But I'm wondering if you're catering to the top 1%, do they really need liquidity at 9% interest? 4) Cred Mint seems like a worthwhile proposition, however the returns are only marginally better than the best FDs out there. Also if they're partnering with Liquiloans, which primarily lends to other startups, isn't that risky? How will they guarantee returns if someday Liquiloans goes under?

It feels too intrusive. Already have our spending patterns and now tracking another liability

Cred folks shed some light, is a new ad coming or something else is brewing up

what’s the status

I was very curious about how they were able to fetch vehicles in my name and just magically show it up! I saw a thread on Reddit where someone said that they were able to access it because we’ve given it access to Gmail! But I have not I’ve not given Cred access to my main Gmail account, only a dummy email that I use for promotional stuff! No access to messages, or phone! Then how did they get it ?

https://www.youtube.com/watch?v=fE0frCNDccQ&ab_channel=CRED

Cred is truly a topic of surprise for me. Yes, I understand it has created a community of top spenders/credit worthy people in India. I also understand that they can use the information on such people for creating value for themselves. Being a cred user, I only use it to pay the bills. I really wonder if they have built any b2b business or alternative source of income beyond what's seen to the end user. What's the game plan for the cred? I also applaud the fact that cred hasn't laid off people having paid them better than most companies. I really wonder if the business is really that strong or the conviction is. Would you join cred if given a chance to work there?