Help & FAQ

What is credit utilization?

It is your reported balance divided by your credit limit. A $300 balance on a $3,000 limit is 10% utilization. Lower reported utilization generally reflects better on your credit profile.

Is 30% a magic number?

No. 30% is a rough guideline people repeat, not a cliff edge. Many scoring models respond gradually, and lower is generally better. We show ranges as guidance, not rules.

Why does the app plan around my statement closing date instead of my due date?

The balance on your closing date is usually what gets reported. Paying before that date lowers the number your issuer reports, even though your payment is not technically due yet.

What if my payment due date falls before my payday?

The app flags it so you can set money aside from the previous paycheck. Never skip the minimum payment to hit a utilization target — paying on time matters more.

I don't know my reporting day. Is that a problem?

Not at all. Most issuers do not publish it. Choose “Not sure” and we plan around your statement closing date instead.

Does CreditTrack connect to my bank?

No. You enter your numbers yourself. We never ask for your full card number, CVV, or bank login, and we cannot move money — you make payments in your issuer's own app.

Do you show my credit score?

No. The Credit Habits score is our own in-app measure of how consistently you use the app and keep reported balances low. It is not a credit score and no bureau sees it.

How are reminders delivered?

Reminders appear inside the app, based only on the dates and balances you enter. You choose which reminder types to show in Settings.

How do I change or cancel my membership?

Open Membership & billing from Settings. You can switch between monthly and annual, update your payment method, or cancel. Cancelling keeps your access until the end of the period you already paid for.

How do I delete my data?

Settings has a delete option that removes your cards, plans, and preferences. If a membership is still active, cancel it first so billing stops before your data goes.

Credit limit

The maximum balance your issuer allows on this card. It is not a spending budget.

• Top of your monthly statement, often labelled “Credit limit” or “Total credit line”.
• In your card app, on the account summary or “Account details” screen.
• Sometimes shown next to “Available credit”, which is the limit minus your balance.

Current balance

What you owe on the card right now, including purchases made after your last statement.

• The card app home screen, usually the biggest number — “Current balance”.
• Not the same as “Statement balance”, which is frozen on your closing date.
• If two numbers appear, the larger, more recent one is normally the current balance.

Statement balance

The balance captured on your statement closing date. This is the amount your bill is based on.

• First page of your statement, often “New balance” or “Statement balance”.
• In the app, under “Statements” → most recent statement.

Statement closing date

The day your billing cycle ends. Your balance on that day becomes your statement balance.

• Statement header: “Statement period” or “Closing date”.
• In the app, often shown as “Your statement closes on…”.
• It usually falls on roughly the same day each month.

Payment due date

The date your payment must reach your issuer to be on time.

• Payment box on page one of your statement — “Payment due date”.
• In the app, on the account summary next to the minimum payment.
• It is typically about three weeks after your statement closes.

Reporting day

The day your issuer sends account information to the credit bureaus. Many statements do not list one.

• Most issuers do not publish this — choosing “Not sure” is completely fine.
• Some people ask their issuer, or notice when a credit-monitoring app updates.
• If you're unsure, we plan around your statement closing date instead.