I have previously viewed CRED as a friend suggested me to do so but when I checked it's reviews I was taken aback.
The app is shit as the reviews said. It doesn't pay the bills on time even if we have made the payments 2 days prior to the due date.
So I won't recommend anybody to download and use this app.
This is not the fault of CRED.
This is the same case even if you pay on Paytm or any other major payments app. It takes about 3 days for your payment to be reflected on government accounts when you are paying bills. Not only government bills, its the same with all banks as well.