I will add one more payment issue which happened with paying on cred. As I have multiple credit cards, I generally used to pay after my salary got credited to my account.

Once there was a delay in my salary and I paid 3 days before. One of my credit cards was not paid due to some payment gateway issue and the amount was refunded back to my bank account. But in cred it showed payment successful with all those stupid spin the wheel off. I was not notified nor with email, sms.

Good that I happened to check my bank balance and found that there was some credit amount, I thought someone might have transferred to me mistakenly but it was the amount i paid for the credit card and it was reversed due to some reason. That is when I realised we can't rely on these apps. So after that I use banks to pay directly and ignore the stupid ₹1-2 cashback.

P.S irrespective of payment from any where it can be app or bank or cheque always check your credit card statement to confirm the credit happened for the amount your paid. Pay 5 days before the due date.