Reviews bahut ghatiya cheq ke, upr se processing fees. Fir toh cred se hi kr lunga 🙁
Dont understand the hate that cheq is getting. Bad reviews are mainly coz they introduced processing fee.
Cred is safer but am still using cheq. For 1 Lac payment, you pay 99 as processing fee while you get 1000 points, equivalent to 250/- which you can adjust against next credit card payment; net saving of 150/- If you opt for smaller vouchers, you can earn even more (swiggy/Park+ etc)
In 3 years of Cred usage, I have earned just 4k (more than 1Cr payment) whereas in just 3 months of cheq, have saved 5k.