Hi TF Community,
As we all have multiple credit cards, I am quite sure all of us have faced one or another problem while managing our credit card portfolio.
In this post we'll focus on some specific problems and try to solve them.
I have been looking for an app or website for tracking all of my credit card features/benefits and most importantly all transactions at the same place. Its quite hard to always open your old statement pdfs and that old email you received after activation of your card say 5 years back, to check/track any of the above information.
I know there are apps like Cred, which tracks all your credit card transactions, but the only problem with these apps is they track only current billing cycle's transactions. One cannot fetch old billing cycle's transactions.
I have been thinking of building a website which can track all of these details for solving my problems and give an one-click solution for all of them.
I am at a very initial stage of building this website and I am not planning to link it with banks or any third party, so that we can fetch all credit card info and its statement info from the bank's server.
I am planning to make it as an independent website where the user himself initially has to feed all these data, which will be a one time process or monthly (when statement gets generated) and then one can track their transactions.
Any kind of comments, compliments or even criticize are welcomed here.
I'd also expect your ideas, thought, new feature suggestions which can make the website better.
As we all have multiple credit cards, I am quite sure all of us have faced one or another problem while managing our credit card portfolio.
In this post we'll focus on some specific problems and try to solve them.
- Tracking current anniversary year and or past month spending: Tracking Anniversary year spending for your credit card is important and much required for multiple reasons.
- If you have multiple credit card with annual charges with some waiver criteria and you want to keep an eye on anniversary year spend so that once reaching the waiver limit, you can switch your expenses to another credit card for reaching waiver limit
- If you are waiting for some benefits on your credit card, that gets activated only after a minimum spend in an anniversary year
- If you have a capping of minimum spend in last three calendar month/billing cycle for benefits like lounge access, spa access, free golf access etc
- Tracking all your credit card benefits at one place: Its very important to know what type of benefits you get from your credit card. Otherwise there's no point having multiple credit cards. You wont want to lose out the special benefit that your credit card provides. Sometimes keeping in mind all benefits from all of your credit cards is quite overwhelming. The most confusing part is if you get the same exact benefit from multiple cards but the only difference is capping. So its important for one to know how long you can keep using your card for a particular benefit and the perfect time to switch to another card
- Sometimes you want to know the total rewards you have earned on a particular card since activation
- Sometimes you want to track your past year's annual expenses on a particular card to make a decision on whether closing existing card and applying for a new credit card will be of profit or loss
- Sometimes you want to know instantly your credit card's activation date, billing cycle date, limit and joining/annual fees
I have been looking for an app or website for tracking all of my credit card features/benefits and most importantly all transactions at the same place. Its quite hard to always open your old statement pdfs and that old email you received after activation of your card say 5 years back, to check/track any of the above information.
I know there are apps like Cred, which tracks all your credit card transactions, but the only problem with these apps is they track only current billing cycle's transactions. One cannot fetch old billing cycle's transactions.
I have been thinking of building a website which can track all of these details for solving my problems and give an one-click solution for all of them.
I am at a very initial stage of building this website and I am not planning to link it with banks or any third party, so that we can fetch all credit card info and its statement info from the bank's server.
I am planning to make it as an independent website where the user himself initially has to feed all these data, which will be a one time process or monthly (when statement gets generated) and then one can track their transactions.
Any kind of comments, compliments or even criticize are welcomed here.
I'd also expect your ideas, thought, new feature suggestions which can make the website better.
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