Credit Leaf App Review: Kya Ye Ek Scam 7 Day Loan App Hai? Puri Jaankari

Aaj kal digital duniya mein paise ki zarurat padne par log instant loan apps ki taraf rukhte hain. Ek aisa app hai Credit Leaf – Finance Assistant, jo Play Store par available hai. Is app ka package ID hai in.scorematrix.wold.app, aur ye khud ko finance assistant ke roop mein promote karta hai. Lekin sachchai kya hai? Kya ye sach mein helpful hai ya phir ek scam? Is article mein hum detail mein baat karenge, especially is baat par focus karte hue ki ye ek 7 day loan app hai jo bahut heavy charges lagati hai. Hum app ke description par zyada bharosa nahi karenge, balki Play Store ke critical reviews par dhyan denge. Aur haan, hum un reviews ko bhi mention karenge jo users ne share kiye hain, jaise Dhruv Singh aur Badal Kumar ke 1-star reviews.

Pehle toh ye samajh lein ki aaj ke time mein India mein bahut saare loan apps hain jo quick money promise karte hain, lekin kai baar ye blackmail, high interest, aur fraud ke jaal mein phansa dete hain. BBC ke according, India mein loan scams se logon ki zindagi kharab ho rahi hai, jahaan apps phones hack karke data chura leti hain. 0 Aise apps se bachna zaroori hai. Ab Credit Leaf par aate hain.

Credit Leaf App Kya Hai? Basic Overview

Credit Leaf app Play Store par “Finance Assistant” ke naam se list hai. Ye app 100K+ se zyada downloads ho chuki hai, aur content rating “Everyone” hai, matlab koi bhi use kar sakta hai. Lekin ye basically ek instant loan app hai jo short-term loans provide karti hai, especially 7 days ke liye. Users ko quick approval aur easy process ka lure diya jata hai, lekin asliyat mein ye heavy charges aur hidden fees ke saath aati hai.

App ke description mein shayad ye claim kiya gaya ho ki ye safe hai, low interest rates hain, aur quick disbursement. Lekin humein instructions mili hain ki description par bharosa na karen, kyuki wo marketing ka hissa hota hai. Asli picture toh reviews se samajh aati hai. Jaise ki CyberDost ke post mein bataya gaya hai, fake loan apps review jobs ke naam par logon ko cheat karti hain. 1 Credit Leaf bhi aise hi category mein lagta hai, jahaan users ko paise dene ke naam par trap kiya jata hai.

India mein illegal online lending apps ki list mein kai apps hain jo scam karti hain, jaise Fibe ke blog mein mention kiya gaya hai. 2 Credit Leaf ka naam directly nahi hai, lekin uske reviews se lagta hai ki ye bhi unmein se ek ho sakti hai.

Credit Leaf App Ka Working: 7 Day Loan Ka Sach

Ye app mainly 7 day loans par focus karti hai. Matlab, aap loan lete hain toh sirf 7 din mein repay karna padta hai, warna heavy penalties aur interest lagte hain. Users ke according, interest rates bahut high hote hain – kabhi kabhi 300-500% annual tak, jo RBI ke rules ke against hai. 9 Example ke liye, agar aap ₹3000 ka loan lete hain, toh repay time par extra charges itne zyada hote hain ki total amount double ho jata hai.

Process aisa hai: App download karo, personal details daalo like Aadhaar, PAN, bank info. Phir app aapke contacts, gallery, aur phone data access leti hai. Quick approval milta hai, paise account mein aate hain. Lekin problem tab shuru hoti hai jab repay time aata hai. Kai users complain karte hain ki even agar repay kar diya, tab bhi app deny karti hai aur zyada paise maangti hai.

BBC ke video mein bataya gaya hai ki aise apps blackmail karte hain, nudes ya personal pics share karne ki dhamki dete hain. 3 Credit Leaf ke case mein bhi similar complaints hain, jahaan repayment ke baad bhi harassment hota hai.

Heavy charges ki baat karen toh, processing fee, late fee, aur interest itne high hote hain ki chhota loan bhi bada burden ban jata hai. Jaise Al Jazeera ke article mein mention hai, illegal loan apps borrowers ko harass karte hain, abuse karte hain, aur blackmail. 7 Ye app bhi aisa hi karti lagti hai.

Critical Reviews Par Focus: Play Store Se Sachchai

Ab asli baat – reviews. Hum app ke description ko ignore kar rahe hain aur critical reviews par believe kar rahe hain. Play Store par kai 1-star reviews hain jo scam bolte hain.

Ek review Dhruv Singh ka, date 07/09/25, 1 star: “It’s a Scam and google should remove this app from playstore as I never applied any loan even though in the app it’s asking for repayment of ₹3000. I am shocked to see some horrifying comments in the feedback about their collection process and how they are blackmailing people even after the loan amount has already been repaid on the individual upi id they shared and denying that they didn’t receive any payment then again using same terrible tactics by creating a never ending loop of the whole. 110 people found this helpful.”

Developer ka reply bhi hai, Rabiu Islam Sef se, 12/09/25: “Dear User, we are extremely sorry for the inconvenience. To help you with this, we would like to know your feedback in detail.”

Dusra review Badal Kumar ka, 15/09/25, 1 star: “It’s a Scam and google should remove this app from playstore as I never applied any loan even though in the app it’s asking for repayment of ₹3400. I am shocked to see some horrifying…”

Ye reviews clearly dikhate hain ki app loan apply na karne par bhi repayment maangti hai, aur blackmail karti hai. Ye typical scam tactic hai, jahaan app data access leke fake loans show karti hai.

Aur reviews se pata chalta hai ki collection process bahut aggressive hai. Users ko calls, messages, aur family ko threaten kiya jata hai. Reddit par ek similar app CC Credit ke bare mein bataya gaya hai ki ye scam hai, aur 1-star reviews check karo. 5 Credit Leaf ke liye bhi same advice.

Play Store par overall rating 4.0 hai, lekin ye fake positive reviews se ho sakta hai. Critical ones zyada genuine lagte hain. Business Standard ke according, unregulated loan apps extort money karte hain. 8

Kya Credit Leaf Scam Hai? Proofs Aur Warnings

Haan, reviews se lagta hai ki ye scam hai. Kai users bolte hain ki loan na lene par bhi bill aata hai, aur deny karne par blackmail. Ye similar hai un deadly instant loan apps se jo BBC ne cover kiya, jahaan Asia, Africa mein log trap hote hain. 4

Signs of scam:

1. Heavy charges: 7 days mein high interest.
2. Data access: Contacts, photos chura ke blackmail.
3. Fake repayments: Paid hone par bhi deny.
4. No proper KYC: SMFG India Credit ke according, fake apps no checks karte hain. 6

RBI aur government ne aise apps against warnings di hain. Agar aap victim ho, toh cyber cell report karo.

Alternatives To Credit Leaf: Safe Loan Options

Scam apps se bachne ke liye, genuine apps use karo jaise Paytm, PhonePe loans, ya bank apps. Inmein low interest, proper regulation hoti hai. Illegal apps se dur raho, jaise lendingplate ke blog mein bataya gaya hai. 9

Conclusion: Credit Leaf Se Bacho

Credit Leaf ek 7 day loan app hai jo heavy charges lagati hai aur scam tactics use karti hai. Reviews se clear hai ki ye trustworthy nahi. Description ignore karo, critical feedback par believe karo. Agar zarurat ho, toh safe options choose karo. Ye article aapko aware karne ke liye hai – share karo aur bachao.