Alternatives to CRED for auto fetching credit card bills

[raniphore]

I have been using CRED for quite some time and have accumulated 30lakh+ coins. Recently I have observed that I am not getting any cashback on credit card payments. Earlier out of 5 spins in any one spin used to get at least 2-3 rs cashback, but now consistently I am getting coins and no cashback. I am thinking of deleting my cred account. Only thing stopping me is that it used to seamlessly read the statements and remind me of the credit cards due date and bill amount. I have 19 cards and it is difficult for me to remember the due dates of every card and check the bill manually. Any suggestion of other apps(iOS) which would serve my purpose?

 

[Wealth is my birth right!]

it there on my s22 too, messaging app, 3 dot on left side, edit category, now for me it won't work cause mys22 is my work phone and SMS arrive on iPhone. it a good feature though.

Pro hack
If ur ofc mob have 2 sim option put ur personal number in slot 2 to get used that s22 feature 😊

 

[vaibhav111vaibhav111 is verified member.]

Pro hack
If ur ofc mob have 2 sim option put ur personal number in slot 2 to get used that s22 feature 😊

Iphone will be without sim then

 

[avinash2711]

I basically once sat down and noted the statement dates of all my cards and then marked out the common dates for payment across all of them.

So for ex Card1: 18th of every month
Card 2: 22nd of every month
Card 3 17th of every month
Card 4: 26th of every month

So then i just remember that 1-5 of every month, I can sit and pay all bills together. So its like a window where all bills are generated and there is a week or so's overlap where payment is due for all of them together

That way you don't need to remember each statement date and not share your data with these random apps.

I do the same thing. Irrespective of bill generation date pay every bill before 7th of every month. Previously it was 10th as CRED payment is fast. Now as I shifted to HDFC bill pay I have to keep a buffer of at least 3 days

 

[CyberPsych]

I do the same thing. Irrespective of bill generation date pay every bill before 7th of every month. Previously it was 10th as CRED payment is fast. Now as I shifted to HDFC bill pay I have to keep a buffer of at least 3 days

I do not have any sort of cards or accounts with HDFC bank, can I use HDFC bill pay to pay my other card bills? What's good in HDFC Bill Pay than CRED?

 

[avinash2711]

I do not have any sort of cards or accounts with HDFC bank, can I use HDFC bill pay to pay my other card bills? What's good in HDFC Bill Pay than CRED?

Using HDFC platinum debit on HDFC Bill pay gives 1% upto 750 cashback in a month. Cred is random, recent cashback is very less.

 

[avinash2711]

I do not have any sort of cards or accounts with HDFC bank, can I use HDFC bill pay to pay my other card bills? What's good in HDFC Bill Pay than CRED?

Thread 'Pay Credit Card Bill Via HDFC Bill Payment Portal And Get 1% Cashback' https://www.technofino.in/community...c-bill-payment-portal-and-get-1-cashback.879/

 

[RkrRkr is verified member.]

I think this of samsung message app feature not linked with phone model.This feature is available in most of the midrange to premium samsung phones...

For other than samsung phone user,i have created the thread how to manage card bill due dates ?Its purely a offline managing tool.Go through the link.

A simple way to Manage you card transactions and due date With microsoft sms organiser App.(Offline Tool)

Here is a very simple (offline tool)and easy way to manage and keep track your Card transactions and bill due date with the help of sms organiser App.The app is MicroSoft SMS orgniser available on Play store. □□Link is here...

www.technofino.in

 

[coolanshu1000]

Here is my choices of apps in the order of their usefulness -
1. CRED - manages everything up very cleanly. Even adjusts the part payments done. They also sends notification on WhatsApp.
2. PAYTM - Give them SMS permission and it also manages that.

3. Mobikwik - Fetches some of the cards. Not much beneficial as compared to above two. However there is a coupon called FULLPAY which provides cashback only on automatically fetched credit card payments.

4. Truecaller - Automatically fetches the statements and place them as helpful cards. Not only this, they also make cards of train tickets etc. They have a super useful FILTER feature in which you can filter messages according to bank/ wallet, transaction/ bills/ delivery etc. Check screenshot for better understanding. It also automatically cleans up OTP after a month or so.

5. Microsoft SMS organiser- creates useful cards according to messages. Faces issue sometimes. Not as polished as Truecaller.

6. My personal method- have marked two dates in my head- 15th and last day of the month. Check the SMS/ above apps once and pay immediately.

.

 

[CyberPsych]

Here is my choices of apps in the order of their usefulness -
1. CRED - manages everything up very cleanly. Even adjusts the part payments done. They also sends notification on WhatsApp.
2. PAYTM - Give them SMS permission and it also manages that.

3. Mobikwik - Fetches some of the cards. Not much beneficial as compared to above two. However there is a coupon called FULLPAY which provides cashback only on automatically fetched credit card payments.

4. Truecaller - Automatically fetches the statements and place them as helpful cards. Not only this, they also make cards of train tickets etc. They have a super useful FILTER feature in which you can filter messages according to bank/ wallet, transaction/ bills/ delivery etc. Check screenshot for better understanding. It also automatically cleans up OTP after a month or so.

5. Microsoft SMS organiser- creates useful cards according to messages. Faces issue sometimes. Not as polished as Truecaller.

6. My personal method- have marked two dates in my head- 15th and last day of the month. Check the SMS/ above apps once and pay immediately.

.

Thanks for the explanation, I tried MS SMS organizer and it's very good.
Is truecaller well trusted?

 

[TheGambler]

I have tried almost all the apps. But I have rescinded all the sms/mail permissions from all the apps.
The simplest way to not miss I found is, pay as soon as you get mail/sms of the bill. I keep the message/mail unread until I pay the bill. This way, I can use the app for payment that gives the most value back.
i.e., the first 40k of cumulative bill goes from hdfc millenia debit card (1% cashback upto 400 per month) -> Paytm load -> bill payment. After that 4L from cheq (0.25% cash value back, wait and pay all the bills together so a single 99 rs charge is applied.) -> after that upto 4L from postpe (0.25% cash valueback). This keeps changing as the value back changes.
But I can be at peace that no private permission is given to any app. All I have to do is pay 15-18 days before due date, i.e., as soon as the bill is generated.

 

[coolanshu1000]

Thanks for the explanation, I tried MS SMS organizer and it's very good.
Is truecaller well trusted?

Well I don't know what other people think but my job requires heavy use of Truecaller so I use it. Never faced much privacy concerns.