Is cred.club Legit or Scam? Trust Score & Review | Raksha AI
Summary
Cred is a website with a long-standing presence since 2017, operated under HTTPS with valid SSL certificates, indicating proper security measures. The domain is managed by GoDaddy and shows no recent abuse reports, supporting its technical legitimacy. However, user reviews highlight mixed experiences, with some reporting issues like delayed refunds and difficulties updating account details. While the site overall appears legitimate, public feedback suggests caution when making payments or sharing sensitive information. For a safe experience, users should review return policies, ensure secure payment methods, and avoid sharing personal data during transactions.
Trust Score Overview
out of 10
MODERATELY TRUSTED
Good standing with minor concerns
Trust Metrics
Website Age
Publishing Information
URL Structure
Address Components
Safety Recommendations
Can Do
Should Avoid
Payment Advice
Domain Information
Technical WHOIS & IP details
SSL Certificate
TLS & certificate details
Why This Site May Be Safe
Trust signals verified by Raksha AI automated analysis
Raksha AI scored this site 25 (68% trust) — our checks found several positive signals that suggest the site is trustworthy for general use.
Caveats
Tip: For higher-value purchases verify business registration and payment channels; use buyer protection where possible. Use this report to compare key trust signals with other sellers before deciding.
Google Map Reviews
Arijeet Ghosh
Dear Sir, My loan account showing an outstanding amount of ₹79,980 has already been fully cleared. However, it is still reflecting as active. Kindly close the loan account at the earliest, as this issue is affecting my CIBIL score. Please resolve this matter within the next 4 hours. If the issue is not resolved within this time frame, I will be compelled to proceed with issuing an official court notice. Kindly treat this matter as urgent.
Megha Hinge
3rd class service giving fraud insurance of acko on personal loans trying to claim but website is not working Acko company telling policy no. Is not showing in there system cred support is not working not cannection the call and not calling back to assist us. And same issue with my mother had a personal loan. Not showing policy no. Of acko insurance.
Criminal lawyer LingaPrasad.M
My name is M LingaPrasad. I'm using the Cred app sence from past 4 years. I took the loan from the Cred app from IDFC Bank. Recently i account was frezed due to some technical issues. Amount not deducted from the account. I visit the bank to update my new bank account for further loan deductions. But they said that they cannot add the new bank account for loan deductions and said that contact to the CRED customer care. Here the worst thing there is no any customer support in the phone to know about my issue. There is no phone number. Here I'm facing the issue to update the new bank account for loan deductions. If any one is there from CRED can you please guys provide the contact details and I will explain the issue completely.
Sharath.K. Shetty
I have been using the Cred App for over three years now. Services like UPI, insurance, and payments work fine. However, whenever I order electronics, I have never received the original product. This is the second time I have received the wrong item. I ordered a smart watch, but instead, I received a stone inside the box. This time, I ordered Boult Mustand earbuds, and I received a damaged, used product from a local company. This is completely unacceptable, and they are not even willing to take back the product. I have had a terrible experience with the Cred App, so I would suggest you use caution when purchasing anything from it. After several days of waiting for my return request, I received a call from the Cred team expressing their apologies for the inconvenience. They mentioned that the matter would be addressed in 2-3 days. Unfortunately, no courier guy has contacted me, and in the Cred app, it's showing Customer has not responded, and when I reached out to customer service, I was advised to wait an additional 7-8 days. While I understand that delays can happen, this experience has been quite frustrating. I would encourage potential customers to consider their options carefully before purchasing in the Cred app, as I found their customer service to be lacking.
Vanthala Manohar
8th yesterday I spent rental payment Rs 20000 it's cred app to 24hrs will be given time period not credited to not refunded money iam manytimes ask support executive assist chats same answers given ours please resolution my money quick resolved
Online Reviews Across Web
Found 10 reviews from 50 sources checked
Read Customer Service Reviews of cred.club
The app is good but they are in cahoots with scammer.They are scammer, believe it. I placed an order in factory cart 10 days ago through cred and not a ...
CRED App Review: Should you use this App? [Updated 2024]
Overall, CRED is a safe, reliable, and trustworthy platform for credit card bill payments, reward redemption, and credit score tracking. Common Queries ...
CRED Reviews & Complaints
Submit your complaint to CRED customer care. Online Review & Complaint Portal. Share your experience, file your review.
Cred Complaints & Reviews | Page 8
Bitterly accused CRED App due to its failed payments when my amount has been debited from my account and Credit card did not receive any payments through this ...
Read Customer Service Reviews of cred.club | 2 of 2
The app is good but they are in cahoots with scammer.They are scammer, believe it. I placed an order in factory cart 10 days ago through cred and not a ...
CRED Trust Score: 68/100 - Legitimate Unicorn with Support ...
Complaints frequently cite 'stuck payments' and 'unhelpful chatbots', though refund policies are legally sound. It is safe for payments, but resolution of ...
CRED Reviews: Customer Reviews and Ratings
I hope this review serves as a warning to others if your credit card payment is critical or time-sensitive, do not use CRED. Their backend processing seems ...
CRED Trust Score: 68/100 - Legitimate Unicorn with Support ...
Complaints frequently cite 'stuck payments' and 'unhelpful chatbots', though refund policies are legally sound. It is safe for payments, but resolution of ...
File a Consumer Complaint Against Cred App
Voxya encourages you to write reviews, feedback and post complaints for Cred App so that it help others to make wise decisions. The Consumer satisfaction score ...
CRED: Credit Cards & Payments - App - Apple Services India
CRED is a members-only app for all payment experiences. Trusted by over 1.4 crore+ creditworthy members, CRED rewards you for the payments & good financial ...
Frequently Asked Questions
Common questions about cred.club
Is cred.club a scam?
cred.club has a Raksha AI trust score of 25. This score is an automated risk indicator generated from technical signals, public reviews, and reputation data; it is not a legal determination. Use the rest of this report to review specific signals (SSL, domain age, public reviews) before making a decision.
Is it safe to enter payment details?
This site uses an active SSL certificate (valid until 1/23/2027), which helps protect data in transit. However, SSL alone does not guarantee a site's trustworthiness — verify return/shipping policies, business contact information, and public reviews before entering payment details.
How to report this website?
If you suspect fraud or want to report suspicious content for cred.club, collect evidence (transaction receipts, screenshots, URLs), contact the site owner first, then report to local law enforcement and your bank. You can also submit a report to Raksha AI via our contact page so our team can investigate and surface warnings for other users.
What should I do if I got scammed?
If you were scammed: 1) Stop any further payments and preserve evidence (emails, screenshots, receipts). 2) Contact your bank or payment provider immediately to request a chargeback or reversal. 3) File a complaint with local police and cybercrime authorities. 4) Report the incident on consumer complaint platforms and notify Raksha AI so we can warn other users.
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