@Anonymous wrote:
Should add that I dont use these apps for keeping up with payments. More for convenience of viewing all the info at once. Not many cards so not many bills to manage and all payments due on the same date so easy to remember.But that can be a useful feature if needed.
For those with multiple cards that are having difficulty remembering when each card is due it could be a good idea to change due dates to only two times a month (or one if you don't want to stagger payments).That way it is easy to remember when to check your accounts compared to someone who has several different due dates.
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I use mint and I also have a spreadsheet with each card and pertinent information like statement date, last CLI, etc. I'd also recommend setting an auto-pay for the minimum amount on every card & bill that you have, so even if you forget, at least the minimum would get paid on time. Of course, PIF is best, and definitely try to pay more than the minimum, but auto-pay is there just in case.
The only negative to the old fashion way, is no real time data updates. Fraudulent charges may not be detected as quickly depending on how one sets up their alerts. Verses having something that updates every hour. One of my coworkers went a month before he realized $2,700 was missing out of one of his bank accounts. It took another month to get it back. If he had a app like mint. He would have known the day it happened. Mint would have detected unusual spending and notified him.
