What do you guys think of cred app UX?

Cred is overly done and confusing now. It is like a nightmare for designers. What has been done on the app bro. Ek cheeze dhundhne me itna time lag raha

You can manage all your cards in the homepage and it isnt hidden in some obscure place. But most importantly, cred coins are actually useful, at least you can get some coupons out of it. My question to people seeing this would be, what could have been better and any constructive feedback is welcome. imo the icons could have been better, wdyt?

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

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?

I think something we tend to less appreciate the designs which are simple and to the point like what's app I have seen lot of other apps like cred, uber, ola etc making it unnecessarily complex & using dark patterns. CRED especially always gets appreciated for innovative/ head turning designs but I feel we need to appreciate lot of simple but well built designs as well

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?