Credit Hub · by LotusBloom
Every card, one screen.
Most people don't lose money on credit cards because they overspend. They lose it because they can't see the whole picture. Credit Hub puts every card and line of credit on one screen — balances, limits, utilization, and what each one really costs you every month.
iPhone · iOS 17 or later
It watches the details that move your score.
Not another balance list. Credit Hub reads your cycle — what reports, when it reports, and what it costs you.
Before the statement closes
See which card is about to report high utilization, which payment is due tomorrow, and which account still has no autopay.
Your real debt-free date
Tell it what you can afford each month and it projects the date you'll be debt free, and what the interest costs along the way. Avalanche or snowball.
What cash actually costs
Need to free up money? It ranks your options by what they would really cost — from a 0% balance transfer to a cash advance.
Due dates on your paydays
It lines your due dates up with the days you get paid, so every cycle is easier to cover.
Receipts and deductions
Track receipts for personal and business, with deductible totals kept apart from the rest.
One timeline
Every statement close and due date across every account, on a single calendar.
Your cards, receipts and calendar work without an account — they're stored on your device, not on our servers. Face ID keeps them shut.
Know what ships next.
Statement import, score tracking, business tools. One email when something lands — nothing between now and then.
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