So a month back, I got hold of Cred app. While the business model seems interesting and UI stands out and they also provide good UX at onboarding, not able to understand the default view.

Neither it tells me the due payments, latest rewards or coins which in my view are more prominent use cases for frequent usage. In fact the reward and pay bill cta comes after the first fold. The credit score is good to show for the first time user but then I really don't care unless the score goes down. So that's where I would love to again see it in on my home.