CRED

cred.club

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Is CRED down right now?

CRED is working

Responding normally and no problems reported. If you still can't get on, it's likely your connection or app. Try the steps below.

Reports·1h: 0
Server: 200 OK
Response: 0.1s
Last checked: 6 hours ago

Answer: No CRED issues reported in the last 24 hours, and it responded normally at our last check on 24 Oct 2026, 4:00 AM IST.

Report an issue

Our automated check runs from one or more locations and may miss in-app problems; reports come from users across India. We only call something "down" when users confirm it too. Here's how we check.

Not working for you? Report it

Takes 5 seconds, no login needed.

Last 24 hours: 0 reports.

About CRED

CRED is a members-only app for paying credit card bills, run by Dreamplug Technologies Private Limited of Bengaluru. Members pay bills for American Express, HDFC, ICICI, SBI, Axis and other issuers' cards on VISA, Mastercard, Amex and RuPay, and also use CRED for UPI payments and loans.

For loans, Dreamplug Technologies works as a lending service provider for partner banks and NBFCs, which fund the credit. CRED says more than 15 million members use it.

80-day history

healthy reports issues outage

We checked 70 times over the last 80 days — healthy on 65 days. It typically responds in about 0.1s.

80d ago 53d 27d today

Response time · daily average slowest day 0.3s

Dashed line is its usual 0.1s, measured over the last 14 days. Gaps are days with no timing data.

6 Aug no data

7 Aug no data

8 Aug no data

9 Aug no data

10 Aug no data

11 Aug no data

12 Aug no data

13 Aug no data

14 Aug no data

15 Aug no data

16 Aug checked, healthy

17 Aug no data

18 Aug checked, healthy

19 Aug checked, healthy

20 Aug no data

21 Aug checked, healthy

22 Aug no data

23 Aug checked, healthy

24 Aug no data

25 Aug checked, healthy

26 Aug no data

27 Aug checked, healthy

28 Aug checked, healthy

29 Aug checked, healthy

30 Aug checked, healthy

31 Aug checked, healthy

1 Sep checked, healthy

2 Sep checked, healthy

3 Sep checked, healthy

4 Sep checked, healthy avg 0.1s

5 Sep checked, healthy avg 0.1s

6 Sep checked, healthy avg 0.1s

7 Sep checked, healthy avg 0.1s

8 Sep checked, healthy avg 0.1s

9 Sep checked, healthy avg 0.1s

10 Sep checked, healthy avg 0.1s

11 Sep checked, healthy avg 0.1s

12 Sep checked, healthy avg 0.1s

13 Sep checked, healthy avg 0.1s

14 Sep checked, healthy avg 0.1s

15 Sep checked, healthy avg 0.1s

16 Sep checked, healthy avg 0.1s

17 Sep checked, healthy avg 0.1s

18 Sep checked, healthy avg 0.1s

19 Sep checked, healthy avg 0.1s

20 Sep checked, healthy avg 0.1s

21 Sep checked, healthy avg 0.1s

22 Sep checked, healthy avg 0.1s

23 Sep checked, healthy avg 0.1s

24 Sep checked, healthy avg 0.1s

25 Sep checked, healthy avg 0.1s

26 Sep checked, healthy avg 0.1s

27 Sep checked, healthy avg 0.1s

28 Sep checked, healthy avg 0.1s

29 Sep checked, healthy avg 0.1s

30 Sep checked, healthy avg 0.1s

1 Oct checked, healthy avg 0.1s

2 Oct checked, healthy avg 0.1s

3 Oct checked, healthy avg 0.1s

4 Oct checked, healthy avg 0.1s

5 Oct checked, healthy avg 0.1s

6 Oct checked, healthy avg 0.1s

7 Oct checked, healthy avg 0.2s

8 Oct checked, healthy avg 0.2s

9 Oct checked, healthy avg 0.1s

10 Oct checked, healthy avg 0.2s

11 Oct checked, healthy avg 0.1s

12 Oct checked, healthy avg 0.1s

13 Oct checked, healthy avg 0.1s

14 Oct checked, healthy avg 0.1s

15 Oct checked, healthy avg 0.1s

16 Oct checked, healthy avg 0.1s

17 Oct checked, healthy avg 0.1s

18 Oct checked, healthy avg 0.1s

19 Oct checked, healthy avg 0.1s

20 Oct 1 report avg 0.2s

21 Oct checked, healthy avg 0.1s

22 Oct checked, healthy avg 0.1s

23 Oct checked, healthy avg 0.3s

24 Oct checked, healthy avg 0.1s

If CRED isn't working

Bill payment not reflecting on your card? Keep the reference number and do not repeat the payment. Raise it in the app against that transaction. Paying a few days before the due date leaves time to sort out any delay.
Payment failed but money debited? Raise the failed payment in the app with its reference. If a late fee is at risk, pay the bill from your bank in the meantime.
App not opening or stuck? Update CRED, clear its cache and check your connection. When lots of members are reporting CRED on this page, the fault is at CRED's end and waiting is the fix.
UPI failing? CRED UPI runs on your bank account, so try another UPI app or a second bank account for an urgent payment.
Bill shows overdue after paying? Check the amount on your card issuer's own app. If CRED still shows overdue, raise it with support in the app.
Many members reporting? If many people across India are reporting CRED right now, it is a wider problem. Use your bank app or wait rather than retrying.

Other ways to access CRED

Pay the card bill directly with your bank If CRED is down near a due date, pay the credit card bill from your bank's net banking, app or UPI to avoid a late fee.
Use another UPI app The same bank account works in PhonePe, Google Pay or Paytm if CRED UPI is down.
Helpline for a stuck payment For a payment that failed or a bill that did not reflect, the verified CRED helpline lists in-app support, the email and the grievance route.

Official channels during an outage: X · Facebook · Instagram · YouTube · LinkedIn · Website

Questions

Check the reports from CRED members on this page. When many report together, the app or bill payments are failing for everyone. With only a few reports, check with your bank, your card issuer and your connection.

Check which part is failing: a card bill payment, CRED UPI or the app itself. CRED UPI runs on your bank account, so check with your bank when UPI fails. A card bill that has not updated after you paid is a separate problem; raise it against that transaction in the app.

Do not pay again. Keep the reference number and raise it in the app against that transaction, under more, then support. Check with your card issuer too. If the due date is close, pay the bill from the issuer's own app or net banking.

Yes. Under RBI rules a failed debit has to go back to your account. Keep the CRED reference number, do not pay the same bill twice, and raise the failed payment in the app against that transaction. If a late fee is at risk, pay the card bill from your bank's app in the meantime.

Ghabraiye mat, dobara pay mat kijiye. Reference number sambhaliye aur app mein us transaction par support se baat kijiye. Due date bilkul paas ho to bank ke app se bill pay kar dijiye.

The cards page in CRED shows each card's overdue amount and due date. If it still shows overdue after your payment, check the amount on your card issuer's own app, then raise it with CRED support against that payment.

CRED UPI runs on your bank account, so a failed UPI can sit with the bank or the UPI network rather than CRED. Try another UPI app or a second bank account for an urgent payment, and check here whether other members are reporting too.

Yes. Tap Download on the status card at the top. The saved server down screenshot shows CRED's status, the last checked time, and how many users are reporting problems.

Money stuck or payment failed on CRED? See the verified CRED customer care and helpline numbers, with support timings.

080 6220 9150

CRED

Full helpline