Today I got rid of CRED

Nice 👍

But why ?

Many apps do the same.. ask SMS permission for UPI registration then start reading all SMS info (CRED, Mobikwik etc.)

drogba2012 wrote:

Many apps do the same.. ask SMS permission for UPI registration then start reading all SMS info (CRED, Mobikwik etc.)

I have got rid of most. Mobikwik was 2-3 years back. I have even stopped using Paytm. I have my fast tag balance in paytm, that’s why its still installed. Right now I have amazon pay, gpay and phonepe. I dont think amazon/flipkart would dare to misuse messages like that though it may read to understand shopping habbits. google already has everything.

Let me do 1 better, leave a 1 star on playstore

i uninstalled already 6 months back,its waste n useless

binod_babu wrote:

i uninstalled already 6 months back,its waste n useless

Mostly agree. There are few uses though like dues of all cards in 1 place. Sometimes card specific offers are also there. The rewards though reduced drastically are still better than nothing. It was only inevitable they start misusing the amount of data access they have gathered which at the moment no one else have.

Install apps like Cred, Freecharge, BB,PB (+ other credit score apps), PayLater / loan apps on a secondary phone (If you got one*)
Unless the approval ( CC via PayLater ) itself is based on the information gather via transactional SMS or phone contacts, there’s no point in giving them any extra financial information (Bank balance, Credit+Debit transactions)

After UPI registration is complete SMS permission can be revoked and the app doesn’t seem to nag about it.

I have mostly stayed away from all these paylater features/apps and I think I did right after listening to so many horror stories last year when govt banned these apps. Most of the apps I have already uninstalled and consolidating the card usage to 1-2 cards most of the time. I dont run after new user offers (stopped 6-7 years back). I plan ahead my fixed expenses and make use of the best available offer at the time. I dont regret if there’s a better offer and dont overspend which I cannot pay. I don’t buy on EMI/no Cost EMI and abstain rather than getting excited at “never before price/discount” offers.

akki4554 wrote:

Mostly agree. There are few uses though like dues of all cards in 1 place. Sometimes card specific offers are also there. The rewards though reduced drastically are still better than nothing. It was only inevitable they start misusing the amount of data access they have gathered which at the moment no one else have.

sorry I am not big fan of sharing access to my mails to cred or anyone to gather info abt my dues.I will prefer to close cc if I cant manage the dues part myself rather than giving these data to some ABC company

binod_babu wrote:

sorry I am not big fan of sharing access to my mails to cred or anyone to gather info abt my dues.I will prefer to close cc if I cant manage the dues part myself rather than giving these data to some ABC company

I created a separate email and set forwards for only the cards but yes, they have a lot of financial info and spending pattern knowledge..

Op to Cred…

binod_babu wrote:

sorry I am not big fan of sharing access to my mails to cred or anyone to gather info abt my dues.I will prefer to close cc if I cant manage the dues part myself rather than giving these data to some ABC company

After registration remove cred access to email by going to Google security feature. I don’t think cred dose not hang if we don’t give access to email or sms.

Bk100 wrote:

After registration remove cred access to email by going to Google security feature. I don’t think cred dose not hang if we don’t give access to email or sms.

did remove email access already while using cred.i don’t feel a value using cred for 5-10 rupee CB,so uninstalled.

binod_babu wrote:

did remove email access already while using cred.i don’t feel a value using cred for 5-10 rupee CB,so uninstalled.

I kept cred only to check Experian ratings. Otherwise i never use it.

LIMBO wrote:

After UPI registration is complete SMS permission can be revoked and the app doesn’t seem to nag about it.

You will be amazed by the speed at which CRED reads all your SMS to gather the CC due details. Just give permission for a second and revoke it immediately. All the CC data in CRED gets updated.

ontherocks wrote:

You will be amazed by the speed at which CRED reads all your SMS to gather the CC due details. Just give permission for a second and revoke it immediately. All the CC data in CRED gets updated.

Delete all the SMS before installing. Cred sms reader will feel kis recluse ke mobile mein install ho gaya main, yahaan toh koi sms hi nahin hai 😂

ontherocks wrote:

You will be amazed by the speed at which CRED reads all your SMS to gather the CC due details. Just give permission for a second and revoke it immediately. All the CC data in CRED gets updated.

most likely they copy the entire msg database.. which usually is just a few mbs and doesnt take more than a couple secs.

They picked your accounts from SMS.. disgusting.. great job
Nowdays apps using whatever info they want.. without our concern

So what is your alternative after getting rid of cred and mobi.

It won’t matter if you remove access to email now. They will always have access to your email and card due date, expenses in card etc. For a good 2-3 years

Sorry the image is too blurry , why did u uninstall cred?

Now-a-days every android is data and internet hungry…
As soon as you are done with application uninstall it or atleast goto app info—> permissions —> revoke all permissions you feel are not required for app functionality

If you have permission manager in settings it’s one place to revoke permissions for each application

Tanmayyy wrote:

Sorry the ,,image is too blurry , why did u uninstall cred?

https://i.imgur.com/TR0F2Iv.jpeg is where @akki4554 uploaded the screengrab to, and this https://cdn0.desidime.com/attachments/photos/719558/original/8033033TR0F2Iv.jpeg full resolution upload here (onnDesidime) might help demystify.

Tanmayyy wrote:

Sorry the image is too blurry , why did u uninstall cred?

They read sms and got to know about my bank accounts. Even though I have upi disabled in 1 account, it’s showing me option to enable upi on that account. It’s scary as I think they are reading all financial details in the sms, transactions and all even though it’s not related to cred. For eg, I may have some loans, cards not on cred, etc. They will still be able to track and “customise” their apps and services.

akki4554 wrote:

Oh, i have sms permission enabled , i guess I’ll disable it as well.

Oh, i have sms permission enabled , i guess I’ll disable it as well.

All your email data in on Google computers including OTP, mobile gets life from Google
privacy has no value; CRED has not troubled me so far with any sort of spam and makes CC bill payments sweet; if it reads SMS/emails its their time waste not mine Perhaps I have not installed in primary ph
anyways good job u did