The Indian fintech unicorn, CRED, is scaling up at an uncomfortable lightning speed in an uncertain environment. Technology and venture capital financing have fueled the growth possibility of startups nowadays. Although, spending too much, too fast on unproven business models could be severely risky. This article critically examines CRED by probing its growth enablers (huge market size, efficient distribution, high gross margins, and strong network effects) and growth limiters (lack of product-market fit and operational scalability) to assess its ability to blitzscale. Managerial implications suggest that startups should take intelligent risks to blitzcsale only after carefully analyzing the market, product-market fit, network effects, and the regulatory landscape.