How is Cheq app compared to Cred?

Cheq app started processing fee of 0.2 per cent up to 100, Rip to them

Prime 1 year voucher also removed I have redeemed all yesterday many coins I have collected from last 3 months
 
Cheq app started processing fee of 0.2 per cent up to 100, Rip to them

Prime 1 year voucher also removed I have redeemed all yesterday many coins I have collected from last 3 months

Processing fee as in i pay them money so i can pay my credit card bills through them?
 
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