Did you sign in Cred Garage? Reviews?

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 ?

I know that we give out our credit card details and email for each credit card that we add. I called customer support they agreed taking data from email and sms(on iPhone sms reading is not allowed so only email there). Whenever we do transaction on credit card we get email about it, maybe they are reading it in real time and storing the same info? I doubt they are reading E-Statements, so I went ahead and looked into EMI that I started, no email from bank about breakup of emi but still it always showed up in my CRED statement. The thing is that on doing EMI first they show all amount is debited from card limit then in statement they deduct first month emi then next month and so on. This is seems difficult to track manually by CRED so it makes sense that they look into locked pdf E-Statemnets. Opening them is easy most of the time and every bank has standard like 4letters of name and card number But icici asks name and birth date and CRED does not have that I hope, so please correct me if you work at CRED

Ye to saari information bech rahe hai

Viners, finally I’m frustrated enough to make a move on building my own business. Just curious about what b2c SaaS would you not mind paying 100 / month for? Preferably in the capital markets / personal finance space?

Preferably free. Drop in your suggestions!

- CRED, a Bengaluru-based fintech startup, introduces CRED Money to help users manage and gain insights into their cash flow. - The feature consolidates financial data from all bank accounts, allowing users to track transactions and recurring payments on a single dashboard. - Leveraging India's account aggregator framework, CRED Money ensures secure, purpose-specific access to financial data across multiple institutions. - Despite not monetizing the feature, CRED employs data science algorithms to provide actionable insights, aiding in financial optimization. - Launching in phases, CRED Money is part of the startup's broader strategy to enhance its portfolio, following the recent acquisition of Kuvera. Source: Techcrunch

Isn’t it just a glorified “Account aggregator” integration? Also, looks like they are riding on some TSP’s AA gateway/bridge for fetching the details. So zero points for any innovation. All in all again so much hype for an aesthetically pleasing UI!! What do you guys think?

how do you guys track expenses? I need to simply know how much I spent since my salary last credited. Where was it spent ..etc I just read the bank statement of my salary acc at the end of the month. This feels like manual effort. I wish my bank provided a better approach so that we can track these on the fly. But afaik none of the large banks in India have a built in feature in their app to do this.