CreditTrack — Smart Credit Management
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Built for smarter credit card habits

Stop guessing what to pay on your credit cards.

Plan your card spending and payments around your paycheck while keeping utilization within your goal.

Start 3-day free trial

Card required to start. Then $9.99/month.

Utilization goal

Under 30%

Under 10% preferred

HighGoal rangePreferred

Goal payment

Pay $120 before your statement closes

Stay ahead of your balance

  1. 01Lower utilizationPay toward your goal before the cycle ends.
  2. 02Statement closesYour statement balance is created.
  3. 03Minimum payment duePay it by the due date — then repeat.

One clear plan,
every paycheck.

CreditTrack turns your statement dates and paycheck into one clear plan — so you always know what to pay, and when.

Goal payment

$120.00

Before your statement closes

Minimum payment due

$35.00

By the due date, every time

Start in minutes

Create an account, add your first card, and see your plan right away.

Try it free

Private by design

No bank login required and no full card numbers — your details stay yours.

Your credit limit isn't your spending budget.

  • Base spending on what you can repay from income
  • Stay ahead of utilization
  • Never miss a payment
  • Build strong credit habits

Ready to take control of your credit?

Create your plan in minutes. Start making every dollar count.

Start 3-day free trial

Cancel before the trial ends and you won't be charged.