Credit Card Tracking

[Anonymous]

Those with multiple cards, what do you use to keep track of them? I do not care for Mint's design. Is there anything else? AwardWallet is a bit complex. Any other apps or systems you suggest to keep due dates, statement dates, interests rates and open dates in east to track order? Thank you in advance. 

[Anonymous]

I personally use a Google Sheets spreadsheet for tracking my card details. It takes some time to set up the way you want, but it gives more customizability and you can access it from anywhere (plus FREE). In my CC tracking workbook I have one sheet with my cards, last reported balance, credit limit, interest rate, report date, date of last CLI, and calculations for Average Credit Limit, Average APR, Average Balance, Utilization overall and per card. I have another sheet with the same layout for my wife's cards. And I have a third sheet with details for calculating and tracking monthly expenses.

[calyx]

I use ynab for budgeting, so my credit cards are (mostly) tracked in that.
I have a separate google workbook where I track my credit information as well.

[Mr_Mojo_Risin]

I don't use anything to track the cards.

I login daily to each account to stay on top of them.

Now, I only have 6 cards so it's not that difficult yet to track them.

If/when I get anymore cards, I'll look into a new process.

[Anonymous]

I use Prism, it's a bill pay app, but I just load up all my accounts and it tells me when and what's due. It's very user friendly, I've been using it for several years to manage my payments in one place and it does a good job in keeping me in the loop with all of my open accounts and bills. 

[tnhomestead]

I put all my due dates into my calendar app on my phone, with a 7 day alert. Cheap, sleazy and works for me!

[KatSoDak]

My phone has Hanson Office Suite. I used the spreadsheet template to create a card tracker.  Periodically I email a copy to myself in case phone bombs. 

[MrT_521]

I use Mint to track transactions and upcoming payments. I created a Google Sheets spreadsheet to track things like date opened, credit limit, statement date, and due date. It has about 12 columns total, each being a data point.

I also created a formula to track x/24 dates. What this means is that if I'm at 5/24, it automatically calculates the dates I'll be at 4/24, 3/24, 2/24, etc. This was actually fairly complicated to develop and perfect.

[SoCalGardener]

---

@Anonymous wrote:

Those with multiple cards, what do you use to keep track of them? I do not care for Mint's design. Is there anything else? AwardWallet is a bit complex. Any other apps or systems you suggest to keep due dates, statement dates, interests rates and open dates in east to track order? Thank you in advance. 

---

You don't need anything fancy. I used to keep a very detailed and colorful spreadsheet, then I got sick, it sat idle for three years while I recovered, and then--since it was basically useless--I started over with just a text file on my phone. Later, I transferred that to my daily-driver laptop.

If you choose this method, it's super easy and totally up to you how it looks. Mine starts out like this:

=======================================
Credit card name
Account number | exp date | CVV
Limit | due | closes≈ | reports to CBs≈
---------------------------------------
Amazon Prime Store Card [Synchrony]
xxxxxxxxxxxxxxxx | [never] | 184
$xx,xxx | 20 | 28 | 27

American Express Blue Cash Preferred
xxxxxxxxxxxxxxxx | 06/26 | 1659
$xx,xxx | 17 | 23 | 22

American Express Everyday
xxxxxxxxxxxxxxxx | 01/26 | 5466
$xx,xxx | 17 | 23 | 22

Then I have a section to keep track of activity (so nothing gets closed for inactivity):

====================================
Credit card name
Date of last activity / * = use soon
------------------------------------
Amazon Prime Store Card
active as of: 06/12/21

American Express Blue Cash Preferred
active as of: 06/12/21

American Express Everyday
active as of: 06/12/21

Then, every month, I just copy/paste a template and edit it accordingly, reflecting that month's information:

===================================================
Account name
Balance | minimum payment | actual payment | due on
---------------------------------------------------
Paid in: August 2021

Amazon Prime Store Card
$xxx.xx | $xx.xx | $xx.xx | 20

American Express Blue Cash Preferred
$xxx.xx | $xx.xx | $xxx.xx | 17

American Express Everyday
$0 | $0 | $0 | --

I also have total lines, i.e., total credit card limit, total balances, total minimum payments, total of what I actually paid, etc. By simply scrolling through the file I can see last month, the month before that, and so on. No, this method doesn't allow for any automatic calculations or anything like that, but for me right now it's working out great.

[Citylights18]

If you are talking about earning rates and rules for credit card applications Walletflo is pretty good.

https://app.walletflo.com/dashboard