Cred is only useful for settling credit card bills. However, their voucher contests and rewards appear to be deceptive. For instance, in a reward contest for Skullcandy, I managed to win a 73.5% voucher for their headphones after several attempts. When I chose a TWS earphone with an original price of 30K and applied the voucher, it reflected a discounted price of 8K. Skeptical, I decided to check the same product on Amazon and was surprised to find it listed at only 6.5K. This experience has led me to conclude that Cred may be engaging in fraudulent practices.