I had made a payment from cred to pay school fees of my sister, the amount got debited from my account, but after a week the school informed they never received the payment. when i went back on cred to check what happened, It showed the transaction had failed and the amount was credited back to my account. but i the amount has not been reflecting since past two months, I've been running around between bank and cred to find out where is the money gone. but unfortunately neither the bank (SBI) nor CRED is replying or resolving the issue
