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
Checked: 59 minutes ago

Download

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.

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Last 24 hours: 0 reports.

About CRED

CRED is a members-only payments app best known for credit card bill payments, founded by Kunal Shah and based in Bengaluru. Not everyone can join, it screens users by credit score, and that has always been part of the pitch.

Members pay card bills, earn coins and offers, and also use it for UPI, rent payments and a set of credit and investment products. Because bills sit at the centre of it, usage clusters sharply around statement dates and the days just before card due dates, when a lot of people clear several cards in one sitting.

No reports yet, be the first to report an issue above.

If CRED isn't working

Bill payment not reflecting on your card? It can take up to a few days near the due date. Keep the reference number and do not repeat the payment. Paying a few days early avoids a last minute delay.
Payment failed but money debited? A failed payment is auto reversed, usually within a few working days. Keep the 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. If many users report it above, it is a CRED side issue 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? CRED syncs from your card statement. Wait for the latest statement to update in the app and the status will correct itself.
Check the live status above If many people across India are reporting CRED right now, it is a wider problem and not just you. 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.
Pay on the card issuer's app or website The bank that issued your card lets you pay the bill directly, which also avoids the settlement delay CRED can have.
Helpline for a stuck payment Use the verified CRED helpline for a payment that failed or a bill that did not reflect on your card.

Official updates during an outage: X · Instagram

Questions

Check the live status and report map above. If many users across India are reporting CRED at the same time, it is a wider problem. If reports are low, it is more likely your own app version, cache or connection.

A bill payment can take up to a few days to reflect on the card, especially near the due date. Keep the reference number and do not pay again. Paying a few days before the due date is safer, so a delay does not risk a late fee.

Yes, a failed payment is auto reversed, usually within a few working days. Keep the reference number and do not repeat it. If the due date is close and a late fee is at risk, pay the bill from your bank in the meantime.

Ghabraye nahi, kabhi kabhi bill reflect hone mein kuch din lagte hain, khaas kar due date ke aaspaas. Reference number sambhalein aur dobara pay na karein. Due date paas hai to bank ya net banking se pay kar dein. Upar live status dekhte rahein.

CRED updates from your card statement, so it can keep showing overdue until the latest statement syncs. Wait for the new statement to update in the app, and it will correct itself.

CRED UPI runs on your bank account, so a failed UPI is often the bank or the UPI network, not CRED. Try another UPI app or a second bank account for an urgent payment. The reports above show how wide it is.

Yes. Tap the Download button on the live status card at the top of this page to save the CRED server down image. The screenshot shows CRED's current status, the last checked time and how many users across India are reporting problems right now. So when CRED is actually down you get a real service down screenshot, not a mock-up. Save the service down image to keep it or send it to someone.

We run an on demand check from our server and combine it with real user reports across India. Reports are the main signal, since CRED can respond to our check while a payment or the app is still broken for users.

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

080 62209150

CRED · In-app and phone support

Full helpline