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CRED, founded by Kunal Shah in 2018, aims to reward financially responsible individuals with a premium platform for credit card bill payments, but faces criticism for its unclear revenue model and high cash burn. The app targets a niche user base with credit scores above 750, limiting its scalability compared to mass-market fintech players. Despite its rapid popularity and high valuation, CRED struggles with user retention, delayed monetization, and dependency on investor funding, raising concerns about its

Author

cdlogin2002

Language

EN