I just checked withdrawing and it worked for me. Is your issue resolved?

Software Engineer

Analyst

Very surprising that my post on this thread yesterday has been deleted. An entire thread on Cred from last week has been deleted where the basics of Cred’s sustainability were being discussed.

Hey, can you share your mail id. Would love to connect with you to discuss on CRED model

Maybe I’m not able to figure out direct messages, but don’t want to post email ID publicly. This is a forum, we can discuss here.

Product Owner

Welcome to Indian Startups's Private Community

Made a withdrawal request on cred Mint and it bounced

Made a withdrawal request on cred Mint and it bounced- Grapevine

Welcome to Personal Finance's Private Community

I am thinking to invest around 1lakh on a p2p lending platform with secure interest rate thoughts about 12% club

Thoughts on 12% club

Hey guys if you are using Cred Mint for lending, please help. I wanted to know if you guys get the 9% return per annum as promised and what are the downside of this investment, if any. 

Also, is there any better alternative to Mint?

Cred Mint 9%

Product Manager

How safe is credMint ? I am planning to move some of my funds due to ~9% return.

CredMint Opinion

Shall I invest in Cred mint?. Please let me know if anyone has invested or any other views over the same

Views on Cred Mint

Application Analyst

Welcome to News Discussion's Private Community

Has anyone used these P2P lending platforms, how has been their withdrawal process and overall credibility

Any reviews for CRED mint or mobikwik Xtra?

Associate Product Manager

Every month my salary gets credited I barely spend 20% of it the rest of it is just sitting around in my bank account it's already above 5L. I keep thinking of investing it in stocks/mf but it's a lot of work 😔 

What do you guys do with your salary, it would be great if you can share your investment strategy and how do you keep yourself motivated to stick to it

What should I do with my money

imagine if cred allows you to get starbucks with credcoins

Business Analyst

Welcome to Office Gossip's Private Community

I don’t work for CRED or have anything to do with them but I’ve been seeing a lot anti CRED or Kunal Shah posts here. 

Did I miss out on some interesting/ entertaining news or is it just a frustrated candidate who didn’t get in or a customer who’s had a bad exp?

What’s with the recent CRED hate on the app

Assistant Manager

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?

What's the deal with Cred

Product Marketing Manager

Ah, this is relatable.

Chartered Accountant

PAYTM Payments Bank essentially asked to shut shop. 

Afaik here are the few implications
1. Stock market will react in a bad way to them
2. Worst affected are going to be FasTag users who bought from PayTM.
3. No deposits / credits allowed in any account. Withdrawal is allowed. 
4. UPI not allowed after Feb

Paytm gets a shock from RBI

That stock is about to crash so fucking hard. Thank god i got out. The crappiest IPO of this decade.

Growth Manager

Hello All , 

I went on an international vacation and someone stole my credit card and did 2.5 L in INR worth of transactions . 

While I was checking in the hotel I received a mail and sms for 2 transactions which makes it 2.5L INR and 5 declined transactions of 4.8 L as the card declined the limit . I blocked the card  & approached the bank to raise a dispute.

I had reported this to my bank in under 4-5 hours of it happening I was told by the phone banking team that the  TAT is 90 days and I will get a temporary limit till the case is solved .
Simultaneously, I had reported the stolen of card and got a physical complaint to present it to the bank. 

Within 24 hours I received a mail from the bank that I have shared my pin and the person has used the card and also told me to make the payment to avoid the further charges.

The card was tap & pay mode where you don’t require a pin. Hence , the transaction went through. 

PS - I did take travel insurance and have spoken to them also but I am not sure whether it will work or not as the representative said we will look into and revert. 


I wrote a mail to RBI to help me in this matter , can someone suggest me what else can be done ? It is causing me unnecessary stress now.  What happens in the scenarios like this ?

CC stolen and transactions worth 2.5L done on it

Business Development

So I was checking my PF balance through SMSing “EPFOHO UAN” to +917738299899. To my surprise, it reflected balance only with current company PF and did not include balance from previous company PF even though I had successfully transferred PF. Is this normal? In previous PF ID I do see everything was withdrawn for transfer request but the same amount I don’t see under the current PF ID. Does that mean the transfer is kept in separate entity which would not reflect in current PF ID? I am kinda scared if there is any chance of losing the previous PF amount. It was getting interest until transfer and now I don’t see that amount nor its interest acquired. Please help me through this concern

🚨 PF Query

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?

Cred

I feel cred is doomed and just trying to increase its value. 
 And the end goal is to sell the cred to someone with higher value and make money.

Made a withdrawal request on cred Mint and it bounced

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