2 · The 10M Opportunity

Of the 35M people who have already installed CRED, who can we actually win?

Active, lapsed and not-yet-qualified members, compared by card ownership, credit score and engagement.

Pick your groups

Three groups, sized off the CRED funnel

modeled

Why it matters12.1M people outside the active base clear the 750 gate today. That is the honest 10M-plus opportunity, not the full 24M who lapsed or never qualified.

Drilldown

Where does this group sit against the 750 gate?

ActiveLapsedNot yet qualifiedBar length is people, in millions. Percentage is the share of that group.

Click a bar group for the working behind it.

Why it mattersAnyone at 750 or above can be invited in today, whatever happened before.

The takeaway

Where the next members actually come from

Lapsed members

10.1M clear the gate today. About 6.0M of those still have the app, so a push reaches them for nothing; the rest need paid media.

Not yet qualified

2.0M clear the gate today. About 2.0M of those still have the app, so a push reaches them for nothing; the rest need paid media.

Active members

11.0M to hold on to. 15% of them have gone quiet for 90 days and are the next lapsed cohort.

Why it mattersSorted by how little it costs to reach them, not by how big the group looks.