I'm not selling my coins until the price will reach Regalcoin level, look at these statistics:
Bitconnect
$197.07 7,242,401 BCC $1,427,230,914
Regalcoin
$38.98 2,810,000 REC $109,532,957
Credence
$x ~2,200,000 CRDNC ~$900,000
Here are my pros and cons regarding price:+ we'll be probably #3 lending coin listed on Coinmarketcap,
+ very low supply (might be lower than Regal) & burned coins,
+ only ~900 participants (e.g. other lending platforms already have 280,000+ participants...),
+ no marketing at all, we are truly early investors,
+ lower invested funds by participants (because no wallet, bitcoin fork, altcoins crash),
+ good timing (before other lending coins and bitcoin fork),
+ developers are communicative, not like in case of other lending platforms,
+ no early sellers (like e.g. in Airdrops or big bounty campaigns), strong HODL community,
- lending platform in November/December,
- website
www.credencecoin.co is still in development, but I think that being on market before others is more important,
- lack of info about developers, but we must trust them and believe that everything will be fine

btw. I've received today a BONUS for late payment.
What is your strategy with this coin? Wait for $xx and then sell or put everything in lending/staking?