Cancel Your Cred RentPay Subscription
Using credit for recurring payments is a powerful but risky tool, a theme we explore in our guide to India's Top BNPL Apps. If you've decided to stop using Cred RentPay, this is the definitive guide to disabling it safely.
This guide provides the exact steps to deactivate your RentPay mandate, clarifies what happens to your payment history and rewards, and ensures you can stop the auto-payments without affecting your credit score.
How to Cancel Cred RentPay Subscription
Follow the step-by-step instructions based on your device/platform.
CRED App
- 1Open the CRED app and navigate to the 'Get Support' section.
- 2Choose the option to 'Raise an issue' to start a new support request.
- 3Select the appropriate category for your query or choose 'Other issues' to explain your situation.
- 4Communicate with the chat support team and clearly state your request to cancel the RentPay transaction. They will assist you with the process.
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The 'Card Rewards vs. Cred Fee' Calculation (The #1 Hack)
Cred charges a small service fee for RentPay. The smartest hack is to use a credit card where the rewards earned (cashback, air miles, points) are worth MORE than the fee. High-reward cards often make you a net gainer on the transaction.
Use RentPay to Meet Annual Spending Milestones
Many premium credit cards offer bonus rewards or waive their annual fee if you reach a certain spending threshold. Using RentPay for a large, recurring transaction like rent is a powerful way to hit these milestones faster.
Leverage the Credit Cycle for Short-Term Liquidity
Pay your rent via Cred right after your credit card's billing cycle date. This gives you up to 45-50 days of interest-free credit, which can be a useful tool for managing your cash flow during a tight month.
Pre-Cancellation Safety Checklist
Cancelling Auto-Pay Does Not Stop a Payment in Progress
CRITICAL: If a rent payment has already been initiated for the current month, cancelling the auto-pay feature will NOT stop it. The transaction will still be processed. The cancellation only applies to future, scheduled payments.
You Are Stopping the 'Schedule', Not the 'Ability' to Pay
VERY IMPORTANT: Cancelling the auto-pay for your rent does not remove the landlord's details from your Cred account. You can still make one-time rent payments whenever you choose. You are only disabling the automatic monthly trigger.
Your Earned Rewards Are Safe
Any Cred coins, cashback, or card rewards you earned from previous RentPay transactions are yours to keep. Cancelling the auto-pay feature has no effect on your past earnings.
Always Confirm Receipt with Your Landlord
After the payment is processed, Cred provides a transaction receipt. It is always good practice to share this with your landlord and confirm they have received the payment, just as you would with any other rent payment method.
Find Your Hidden Subscription Costs
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Can I schedule future rent payments again?
Yes, you can re-enable it anytime through the app.
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