Statement Day

The balance a lender sees is the one on your statement. Not the one you pay off later. Most people pay their card in full every month and still show a high balance on their credit report, because the balance that gets reported is whatever was on the statement the day it closed. Pay after that and the damage is already done for the month. Statement Day works out what to pay each card, and by which day, so the number that reaches your credit report is the number you meant. TELLS YOU THE DAY YOU ARE CLEAR TO APPLY Set the day a lender will pull your report. The app works backwards through every card, adds the lag between a statement closing and the balance appearing on your file, and gives you the first date everything will have reported the way you planned. TURNS THAT INTO A LIST OF PAYMENTS Each card gets a pay-by date and an amount, chosen so the card reports what you want it to. Pay by those dates and the rest takes care of itself. SHOWS THE WHOLE MONTH AT ONCE Closing dates, pay-by dates and the day you are clear, on one calendar. Each card has its own colour so you can follow it across every screen. EXPLAINS THE JARGON Closing date, bureau lag, utilization, AZEO. Every term has a plain-English explanation and a short walkthrough of where to find it on your own statement. NO BANK LOGIN. NOTHING LEAVES YOUR PHONE. You type in your limits, balances and closing dates. There is no account, no server, and no connection to your card issuer. The app has no network code in it at all. FREE AND PRO The free version plans two cards and includes the application-date planner, the calendar, and a reminder before each pay-by date. It is not a trial. Pro is a single payment, not a subscription. It adds every card you own, a second reminder three days out, extra strategies including AZEO and per-card targets, planned spending, and theme choices. The two most relaxed targets stay free on purpose. If you are carrying balances you cannot clear this month, the setting that helps you is not the one you should have to pay for. HONEST LIMITS This is a planning tool, not credit advice, and it does not talk to your bank or the credit bureaus. The dates and amounts are worked out from what you enter. Issuers occasionally report on days other than the closing date, and scoring models differ from one another.