I don't know, and hope others can weigh in.
But since you are asking for any ideas or thoughts, is the smart phone your only method of internet access? I.e. do you have a computer at home? I realize some folks only acces the internet via their phone, so just checking in to clarify.
If you do have a computer at home, the "app on a mobile phone" approach may not be needed. Phone apps really come into their own when you need to use the tool often and/or while you are moving around. Googling the answer to a question, paying for a purchase, using the phone's GPS feature, listening to music, etc. If a person is applying for credit cards several times a week, then a mobile app would have a lot of value -- but I am wondering whether applying for new cards is something that should be done rarely (1-4 times a year?) and methodically, in which case waiting till you get home to do your research might work fine.
Best of luck...
