Payment due dates still control
The CFPB explains that a payment generally must be received by the stated due date to be on time. Read the CFPB guidance.
The DueSmart Tracker · Part of your financial guide
On autopay? Your credit score may still be paying the price.
Autopay pays on the due date. But your card usually reports your balance days earlier, on the close date. DueSmart shows you both dates, reminds you before each one, and catches every subscription before it renews.
$99 a year, or $12 a month, for up to 25 cards and 25 subscriptions
Free for your first 2 cards plus 5 subscriptions
New Tracker plans come with a 15-day money-back guarantee.
Choose my plan
Yearly plan: $99 a year
Monthly plan: $12 a month
Start free with 2 cards
Plans renew until you cancel. Cancel anytime in one click. Payments are processed by Stripe. No guaranteed credit outcomes.
See it first
Watch Grace fill in the card form
A short demo with voice. Mary talks, and Grace fills in her cards for her. Go one step at a time and tap Next when you are ready.
Watch the demo
New: Pay-off plan
Watch Dana pay off 5 cards
A short demo with voice. Dana says how much she can pay each month. The Tracker shows which card to pay off first and the month she is free of card debt. Then she asks Grace.
Watch the pay-off demo
Free tool
Free checkup: what do your cards and subscriptions really cost you?
Type your subscriptions and card nicknames. See your yearly total, which bill is due next, and how much of each card you are using. No sign-up. No card numbers.
Try the free checkup
Need more room?
$149 a year, or $19 a month, for up to 75 cards and 75 subscriptions
Choose Business plan
Business yearly: $149 a year
Business monthly: $19 a month
New: employee cards and totals by department. See how.
Already a Tracker member? Upgrade in your dashboard instead: tap Manage my plan, then Upgrade to 75 cards. Plans renew until you cancel. Cancel anytime.
See it first
Watch how a team tracks company cards
A short demo with voice. Ray adds his teams and who carries each card, Grace answers by department, and his manager Dana sees only her team. Tap Next when you are ready.
Watch the team demo
Catch every subscription before it renews
List Netflix, Spotify, your gym or any service you pay for. We remind you before each renewal, so you can keep it or cancel it. Free for 5 subscriptions.
New to credit? Find your starting point first →
✓ No Bank Login
✓ Subscription Reminders
✓ Avoid Late Fees
✓ Control Utilization
What would you like to see?
Tap a topic to open it. Tap its title again to close it.
- The two dates on every card
- Try the free calculator
- Prices and plans
- Watch the demo
- Company cards for your team
- Start free with 2 cards
- Privacy and safety
- Questions and answers
- Everything the tracker does
- How DueSmart helps
- Built for a busy life
- What mistakes can cost you
- What you are really buying
- What DueSmart is
- Why no bank login is needed
- Business plan (more than 25 cards)
- DueSmart courses
- Earn as an affiliate
- Card dates explained
- Easiest version: Simple View
Grace, our phone helper, answers right away, day or night. Want a person? Just say “person”. A member services specialist takes calls Monday to Friday, 10am to 4pm Eastern. After hours, Grace takes your message and a specialist calls you back by the next business day.
Direct answer
Start with 2 free spaces
What is the best way to track bill and credit-card due dates?
A bill due-date tracker puts each statement close date and payment due date into one calendar so you can see what happens next. The DueSmart Tracker lets you enter these dates manually, set reminders, and review Pay Before Close targets without connecting a bank. Always follow each issuer's statement and agreement for the amount and deadline actually required.
Important: Paying before a statement closes may change the balance available when a credit score is calculated, but it does not replace paying at least the required amount by the payment due date. Reporting and scoring timing varies, so verify each account directly with its issuer.
Close date and due date are different
The CFPB defines a grace period as the time between the end of a billing cycle and the payment due date, when the card provides one. Read the CFPB definition.
Utilization is only one factor
The CFPB notes that balances relative to available credit can affect scores and that scoring timing varies. Read the CFPB explanation.
Privacy-first answer
Start with 2 free spaces
Is there a budget app that doesn’t connect to your bank account?
Yes. Some budget and bill-tracking apps work without a bank login. Manual-entry tools let you add only the accounts, balances, limits, and dates you choose, with no Plaid connection. DueSmart uses this approach for bill and credit-card timing. You trade automatic transaction syncing for direct control over what you enter and must keep the information current yourself.
DueSmart is a bill and credit-card timing tracker, not a full transaction-by-transaction budgeting service. These are the three common ways financial organizers collect information:
| Method | What it gives you | What to weigh |
|---|---|---|
| Bank connection | More automation. Depending on the provider and permission, balances and transaction history can refresh after setup. | You authorize financial-data sharing and rely on an active connection. The data available depends on the connected product and institution. |
| Statement import | Batch updates. You download a statement or file, then upload it to a compatible tool without maintaining a continuous connection. | The file may contain sensitive account or transaction details, and you must repeat the import when you want fresh information. |
| Manual entry | Direct control. You type only the fields you want to track, without a bank login or Plaid connection. | Setup and updates take a few minutes, and the tracker is only as current and accurate as the information you enter. |
Where DueSmart fits
DueSmart uses manual entry. You can add a nickname, balance, limit, statement close date, payment due date, and reminders without providing a bank login, full card number, CVV, or PIN. Always confirm dates, amounts, and payment requirements with the card issuer or lender.
Source: Plaid Balance documentation
Plaid Transactions documentation
CFPB personal financial data rights
Is there a budget app that doesn't connect to my bank account?
Yes. Some budget and bill-tracking apps use manual entry instead of a bank login. DueSmart follows this approach for bill and credit-card timing: there is no Plaid connection, and you keep the information current yourself.
What can a bank-connected budgeting app import?
Depending on the provider, product, and permission, a connected app may retrieve balances and transaction history. That can reduce manual upkeep, but it requires authorized financial-data sharing and an active connection.
Is manual entry always better than connecting a bank?
No. Manual entry gives you direct control over what you type and avoids a continuous bank connection, while connected tools can save time through automatic updates. The better method depends on whether you value control or automation more.
2
Critical dates per card, most people only track one
25
Cards & loans you can track on the $99 Tracker
0
Bank logins, passwords, or card numbers required
$99
$99 a year or $12 a month for up to 25 accounts. Cancel anytime.
What You're Really Buying
Not another finance app. A card leverage tool that protects your money and your options.
DueSmart turns confusing card dates into simple actions that help you avoid waste, protect cash flow, and stay ready when a bigger personal or business move shows up.
💰
Save money by avoiding preventable fees
Late fees, penalty interest, missed loan payments, and forgotten minimums are expensive, one late fee can erase months of rewards. DueSmart keeps the money-costing dates in front of you before they become a bill.
🏦
Reduce the chance of paying interest by accident
Credit float only helps when you stay ahead of the cycle. When you know which account needs attention next, it's easier to keep the bank's money from becoming expensive debt.
💳
Use the bank's money with more control
Credit cards give you float. DueSmart helps you manage it so purchases, rewards, and cash flow don't turn into interest, fees, or messy reported balances.
📉
Manage the balance lenders may see
Paying before statement close can help you manage reported utilization, instead of paying after the snapshot and wondering why the balance still showed high before an approval.
🧠
Stop losing money to disorganization
Scattered notes, memory, and spreadsheets make it easy to miss what matters. One dashboard reduces the mistakes busy people make when life gets crowded.
🛡️
Keep control without handing over your bank
Get the money-management benefit without Plaid, bank logins, full card numbers, CVV, PINs, or account credentials.
The Stakes
Your cards can quietly cost you money, or keep you ready for bigger moves.
Without a system, the same cards create avoidable fees, interest, and high reported utilization. With one, they keep you organized and prepared the moment a loan, apartment, car, or funding opportunity appears.
💸
Late fees eat real cash
One forgotten payment can wipe out months of rewards. DueSmart keeps card and loan due dates visible before the fee hits.
📊
High reported balances cost opportunities
If your balance is high on close day, your utilization can report high, even if you pay in full a week later, right before a lender looks.
🏦
Interest turns leverage into debt
Credit float only helps when you stay ahead of the cycle. DueSmart helps you see what needs action before the bank profits from your mistake.
🏠
Qualify with less panic
Before a mortgage or apartment application, you want your credit picture organized. DueSmart helps you see what may need attention before someone checks.
💼
Keep business funding cleaner
Separate personal and business cards so you can see which side needs attention before applying for credit lines, cards, or working capital.
🔑
Borrowing power is worth protecting
Mortgages, apartments, car loans, business credit, and funding all reward organization before you apply, not after.
Blind credit use creates late fees, interest, high utilization, missed approvals, and stress. DueSmart turns it into a simple money dashboard you can act on.
Due date vs. statement closing date
Two dates run every card. Most people only know one.
Here's the difference in plain English, and why the one you've never tracked may be the one that matters most for utilization.
⚡ The one that shapes utilization
Statement Close Date
The day your issuer takes a snapshot of your balance and reports it to the bureaus. That snapshot is what may set your reported utilization for the cycle.
Paying before this date can help you manage what gets reported.
✓ The one everyone knows
Payment Due Date
The deadline to make at least your minimum so you avoid a late fee and a late mark. Important, but it lands after your balance has already been reported.
Paying by this date keeps you current and fee-free.
DueSmart shows both dates for every card and loan, so you always know which date to act on, not just which one to pay by.
Free credit utilization calculator, right here
See the exact number the tracker hands you.
Type any numbers. Nothing is saved or sent, this is the same Pay Before Close math the full tracker runs automatically for every card, against your real close dates.
Reporting today45%
Pay before close$700so the snapshot reports 10%
✓ Already under your target, this card would report clean.
Illustrative education only, utilization is one factor among many, and no score outcome is promised. The full tracker runs this for every card with your real close dates, reminders, and a payment log.
Run it on your real cards: unlock 2 free spaces plus 5 subscriptions →
New in your Tracker
Now it tells you exactly what to pay
Big, simple and made for real life. Every new feature works on your phone and with Grace.
🏁
Your Pay-off plan, with Grace by voice
Tell it how much you can pay each month. It shows which card to pay off first, the month each card is paid off, and your debt-free date. Or just ask Grace: "What card should I pay off next?"
🗓️
Pay-in-4 plans, never missed
Use Afterpay, Klarna or Affirm? Add each plan and the Tracker reminds you before every payment. Mark each one paid with one big green button. Or ask Grace: "When is my Afterpay due?"
👫
One plan for you and your spouse
Put your cards and your spouse's or partner's cards in one pay-off plan. Tap Mine or their name on each card, and see each person's total.
🛟
An emergency cushion goal
Set a small savings goal, like $500, so a surprise bill does not go on a card. Tap I put money in to watch it grow. You keep the money in your own bank.
🎯
See what to pay for 5%, 10%, 15% and 29%
Each card shows the dollar amount to pay before the close date to report 5%, 10%, 15% or 29% utilization. If you are already there, it shows a check mark.
🎙️
Just ask Grace how much to pay
Say "How much should I pay on my Chase card?" and Grace reads the amounts for that card, with the close date.
🟢
Big green and gold buttons
Tap I made a payment or I made a purchase right under the balance. Or tell Grace "I paid 50 dollars on my Chase card."
✅
A weekly reminder to keep balances right
Once a week, a gold box asks if your balances are still right, so your numbers stay correct. Grace asks too before you hang up.
🔍
Big numbers that are easy to read
Every card shows its credit limit and its utilization in large colored numbers: green is good, gold means watch it, red means high.
🔑
Stay signed in for a year
If you use Gmail, tap the big Google button once and stay signed in for a year on that phone or computer. No passwords to remember.
Two steps to a stronger credit score
The two biggest parts of your credit score are paying on time and how much of your card limits you use. Step 1 handles both. Step 2 helps with the rest.
Step 1 · You are here
The Tracker
Pay on time and keep your balances low.
- A reminder before every due date, so you are never late.
- A reminder before every close date, so a lower balance gets reported.
- Free for 2 cards. $99 a year for up to 25.
Step 2
The Credit Workspace
Check your reports for mistakes and watch your score month by month.
- We walk you through your free credit reports, one page at a time.
- Found something wrong? We help you write it down and make a letter. You check it and send it yourself.
- Write down your score each month and see which way it is going.
$29 a month. Cancel anytime.
See Step 2: the Credit Workspace ▶ Watch the 2-minute Credit demoNo one can promise a score or a date, and we never will. These steps are the habits that matter most, done one at a time.
How DueSmart Helps
Improve the habits that can influence your credit readiness.
DueSmart will not promise a score number. It gives you the timing visibility and monthly routine that support better utilization awareness, fewer missed windows, and more informed payment decisions.
📆
Close dates and due dates together
Every card and loan, both dates, one calendar, so nothing critical is hidden in a separate app or your memory.
🎯
Know when to pay before a balance reports
The Pay Before Close calculator shows the exact amount to pay before close to hit your utilization target.
📉
Watch utilization targets
Set a goal per card (under 10%, under 30%, custom) and see how close you are before close day, so you know if action is needed.
🏦
Avoid missed loan and card payments
Auto, personal, student, and business loans sit alongside your cards with due dates and minimums, nothing slips through the cracks.
🔁
Build a repeatable monthly routine
Reminders, a payment log you own, and a Timing Score turn "did I handle that?" into a habit you can actually keep.
🔓
Visibility without a bank login
You enter the dates and balances you choose. No bank connection, no Plaid, no full card numbers, ever.
Built for a Busy Life
You're juggling enough. Let the dates manage themselves.
Between work, family, business, and bills, nobody has the mental space to track five cards, three loans, and a dozen dates by memory. DueSmart carries that load.
- Replaces mental math, sticky notes, and spreadsheets with one simple calendar
- Surfaces exactly what needs attention before the important date hits
- Keeps cards and loans in the same view, not five different apps
- Helps you feel calmer and more in control of your money
- Keeps you organized without handing over bank credentials
- Simple enough that you'll actually keep using it every month
DueSmart
● Live
Balance
$6,240
Avg Util.
22%
Next Close
Jun 21
Chase Sapphire · closes Jun 21 ⚡34%
Amex Blue Cash · closes Jun 2814% ✓
Auto Loan · due Jul 1$347 ✓
Cap One (Business) · closes Jul 371% ⚠
Illustrative dashboard, your data stays in your browser.
What You Actually Get
The money outcome first, then the feature that makes it happen.
Every feature exists to help you save money, protect borrowing readiness, reduce stress, or use credit cards with more control.
🎯
Know the exact dollar amount to pay before your balance reports
How: The Pay Before Close calculator does the math for you, a precise number to hit your utilization target, not a rough guess.
⏱️
See your overall credit-timing health in a single number
How: The Timing Score reflects your reminder coverage, utilization status, and upcoming close-date awareness, tracked over time.
📆
Know the date your balance may report, before it shapes your profile
How: Statement close date tracking puts every card's close date on one calendar, so you can act before the snapshot, not after.
📅
Never let a payment deadline catch you off guard
How: Due date tracking sits right beside every close date, so both critical dates for every card and loan are always in view.
📉
See whether your balance is on track before lenders see the snapshot
How: Utilization targets (under 10%, 30%, or custom) show how close you are to your goal before close day.
🏦
Keep every loan payment from slipping through the cracks
How: Loan tracking puts auto, personal, student, and business loans, with due dates, minimums, and APR, in the same view as your cards.
🔔
Get a nudge before the date matters, not the day after
How: Browser reminder alerts fire 1, 2, 3, 5, or 7 days ahead, set per card so you're warned right when action counts.
📤
Put every credit and loan deadline inside the calendar you already live by
How: One-tap calendar export (.ics) sends your close and due dates to Apple Calendar, Google Calendar, or Outlook.
🎙️
Ask or talk through your saved account timing
How: Paid members can use Ask DueSmart by text or Voice Coach inside their private workspace to review saved timing, open a payment site, record a payment, or pull up a card. It is organizational help, not financial advice.
🔁
Set every card to autopay the full statement, and stop paying interest by accident
How: Mark each card as Autopay: full statement balance. DueSmart shows a simple step-by-step guide for turning it on with your card company, then changes that card's reminders to "make sure your bank account can cover about $X." It warns you if a card is only set to pay the minimum. DueSmart never logs into your bank.
🧾
Catch every subscription before it renews
How: List the subscriptions you pay for, like streaming, apps and memberships. DueSmart reminds you before each renewal so you can keep it or cancel, and shows how much you save when you cancel. Paid members also get a yearly spending summary. DueSmart never cancels anything for you.
Privacy & Security
🛡️ Your privacy stays yours. Always.
DueSmart is a timing and organization tool, not a financial aggregator. Your data lives in your browser. Nothing is pulled automatically from banks or card issuers.
No bank login or online banking credentials, ever
No Plaid, no bank OAuth, no third-party data pulls
No full card numbers, routing, or account numbers
No CVV, CVC, or PIN required at any point
Your data lives in your browser's local storage only
Built-in guardrails block full card numbers before saving
Stripe processes checkout, DueSmart never sees your card
Update balances and dates manually, on your schedule
All purchases are processed securely through Stripe under the FormsHQ account. DueSmart does not store your payment card number.
Required Before Free Access
Complete one short form. Unlock two free account spaces plus 5 subscriptions.
Tell us who you are and what you want DueSmart to help you organize. After you submit, we will send you directly to your DueSmart Tracker with two free card-or-loan spaces plus 5 subscriptions unlocked in that browser.
✓No bank login, password, or Plaid connection
✓Never enter full card numbers, CVV, PIN, or bank credentials
✓Upgrade later and everything you added comes with you
Simple Pricing
One avoided late fee can make the premium price feel obvious.
Start free. Upgrade when you want to manage more cards and loans. No bank details at checkout. Pick a plan that renews until you cancel, or pay once for 12 months. Existing lifetime purchases remain unchanged.
- On the yearly or monthly plan, your price stays the same for as long as you stay subscribed, even if prices go up later
- Grace, our phone helper, can add your cards with you by phone, day or night. You get 20 free minutes with her each month, starting fresh on the 1st.
- 15-day money-back guarantee: if it does not help, call or email within 15 days and we refund you in full
FREE PREVIEW
$0 forever
Complete the short form, then track up to 2 accounts, no payment card or bank login needed.
- Up to 2 cards or loan accounts
- Up to 5 subscriptions with renewal reminders
- Statement close & due date tracking
- Utilization goals
- Basic reminders
- Payment history logging
- Purchase logging with balance updates
- Calendar export (.ics)
- Locked backup & restore
The form must be submitted before the two free spaces unlock.
Best value
TRACKER, YEARLY
$99 a year
About $8.25 a month. Renews every year until you cancel. We email you 30 days before each renewal. Cancel anytime in your account, in one click.
- Up to 25 cards or loan accounts
- Pay-off plan: which card first, and your debt-free date. Ask Grace by voice.
- Pay-in-4 plan reminders, one plan for couples, and an emergency cushion goal
- Up to 25 subscriptions, plus a yearly spending summary
- Close, due & Pay Before Close targets
- Full reminder system (1 to 7 days)
- Payment history logging
- Purchase logging with balance updates
- Calendar export (.ics)
- JSON & locked backup
- Purchaser portal (multi-device sync)
- Ask DueSmart text help & Voice Coach
Renews at $99 a year until you cancel.
✓ Cancel anytime · Your cards and dates stay saved
TRACKER, MONTHLY
$12 a month
Go month by month. Renews every month until you cancel. Cancel anytime in your account, in one click.
- Up to 25 cards or loan accounts
- Pay-off plan: which card first, and your debt-free date. Ask Grace by voice.
- Pay-in-4 plan reminders, one plan for couples, and an emergency cushion goal
- Up to 25 subscriptions, plus a yearly spending summary
- Close, due & Pay Before Close targets
- Full reminder system (1 to 7 days)
- Payment history logging
- Purchase logging with balance updates
- Calendar export (.ics)
- JSON & locked backup
- Purchaser portal (multi-device sync)
- Ask DueSmart text help & Voice Coach
Renews at $12 a month until you cancel.
Prefer to pay once with no automatic renewal? Pay $99 for 12 months. We email you 30 days before it ends and never charge your card on our own.
Holiday gifts
Give the gift of calm
Give a parent, friend or loved one a year of DueSmart. They get a gift code to type in. No card needed, and it never renews on its own.
Gift a year
$99
12 months of the DueSmart Tracker for one person, with a printable gift card
Give a year for $99Help Mom pack
$149
Two years of the DueSmart Tracker: one for you and one for your parent, plus a free setup call for your parent
Get the Help Mom pack for $149Need more than 25 cards? The Business plan holds 75 cards and 75 subscriptions, with 30 free Grace minutes a month. $149 a year or $19 a month.
See the Business plan Watch the team demo Already a member? Upgrade to 75 cards
We'll set it up with you
Pick the help that fits how many cards you have
Every package includes 12 months of the DueSmart Tracker (normally $99). We stay on the phone with you until every card is in, within 30 days, so take all the time you need. You type your own details, so we never see your card numbers, PINs or passwords.
Setup Starter
$199
Up to 5 cards or loans
- We stay on the phone until every card is in (within 30 days)
- We add your cards and due dates with you
- Check-in email after 2 weeks, so you are never stuck
Most chosen
Setup Plus
$349
6 to 15 cards or loans
- We stay on the phone until every card is in (within 30 days)
- A due-date plan: group your cards into start of month and end of month
- Check-in email after 2 weeks, so you are never stuck
Setup Complete
$699
16 to 25 cards or loans
- We stay on the phone until every card is in (within 30 days)
- Full card plan: groups, payment order, and autopay set up with each card company
- Help getting online access to each card account while you type your own logins
- Check-in email after 2 weeks, so you are never stuck
Business Setup
$999
Up to 75 cards or loans
- 12 months of the Business plan (normally $149)
- We stay on the phone until every card is in (within 30 days)
- Full card plan for your business cards and loans
- Check-in email after 2 weeks, so you are never stuck
We call you within 1 business day of your order to book your first call, and we take as many calls as you need until every card is in, within 30 days. Help outside your package later on is $125 an hour, and we always agree on it with you before we start. After 12 months, renew the Tracker for $99 only if you want to. We never charge your card automatically.
Already agreed on extra time with us? Pay for extra hours, $125 each
📞 Prefer To Order By Phone?
Call us and we’ll set you up over the phone
No forms, no downloads, a real person takes your order, sets up your Tracker access, and walks you through adding your first card.
📞 Call (470) 740-8343Grace, our phone helper, answers right away, day or night. Want a person? Just say “person”. A member services specialist takes calls Monday to Friday, 10am to 4pm Eastern. After hours, Grace takes your message and a specialist calls you back by the next business day. support@duesmart.com
All purchases processed securely through Stripe under the FormsHQ account. DueSmart does not store your payment card number.
New in the Business plan
Company cards for your team
Do your field workers carry company credit cards? Keep every card, every cardholder and every bill in one place.
- Group cards by department, like Field Ops, Sales or Service.
- Put the cardholder's name on each card, like Tony or Maria.
- Employee cards paid on the company card's bill are counted once, on that bill.
- See each department's balance, how much is used, and the next due date.
- Download a list for your bookkeeper with one tap.
- Ask Grace: "What is due for Field Ops this week?"
Included in the Business plan: $149 a year or $19 a month, for up to 75 cards. No card numbers, ever.
Why I built DueSmart
I first built the DueSmart Tracker for myself. I had always paid for everything with a debit card or cash, so I had no credit at all and had to start from scratch. I opened four secured cards and needed a way to use them responsibly: to keep track of every due date, every statement date, and my utilization.
I run four businesses, so I couldn't keep all of that in my head. I built the Tracker to do it for me. Seven months later, my credit score was 727.
Then I shared it with friends who were struggling to manage their cards. They had been looking for a system like this and couldn't find one. What they valued most was security: they never have to put their card numbers into DueSmart. With Grace always there to help, it gave them peace of mind.
DocTA Dwight, founder of DueSmart
1 (470) 740-8343
Individual results vary. DueSmart does not guarantee credit score changes.
Questions, Answered
Everything you're wondering.
Can DueSmart help me make or save money?
DueSmart can help you avoid preventable money leaks like late fees, accidental interest, missed payment windows, and disorganized pre-application planning. It can also help you stay more prepared for borrowing opportunities like cars, apartments, mortgages, business credit, and funding. It does not guarantee approvals, rates, income, or score changes.
Can DueSmart help me improve my credit score?
DueSmart can help you improve the habits and timing that may influence your credit profile, especially payment consistency and utilization awareness. It does not guarantee any score change. Your score is calculated by the credit bureaus based on your full credit profile.
Can I set my cards to autopay the full statement balance?
Yes. You turn on autopay with your card company (DueSmart never logs into your bank or card account), and DueSmart walks you through it in five simple steps. Then you mark the card Autopay: full statement balance, and your reminders tell you roughly how much to keep in your bank account. If a card is only set to pay the minimum, DueSmart reminds you that the rest can charge interest.
Is this credit repair?
No. DueSmart is not credit repair, credit counseling, lending, banking, legal, or financial advice. It does not remove negative items from credit reports and makes no representation that it can. It simply helps you organize timing information so you can decide what to pay and when.
What does "using other people's money" actually mean here?
A credit card lets you temporarily use the bank's money between when you spend and when the balance is due. Managed with good timing, that float can be useful leverage. DueSmart helps you manage the timing side, close dates, due dates, and utilization awareness, so you can use cards with more control. It is not financial advice and does not tell you how much to borrow.
Can I ask DueSmart by text or voice?
Yes. Paid members can use Ask DueSmart and Voice Coach inside the private workspace to review the dates, balances, purchases, and payments they saved. It can point you to actions such as opening a payment website, recording a payment, or showing a card. DueSmart is an organizational tool, not financial, lending, or credit-repair advice.
Do I need to connect my bank?
Never. There's no bank login, no Plaid, and no third-party data pulls. You enter the timing details that matter, close date, due date, balance, and limit, and DueSmart tracks them. Nothing is pulled automatically from your bank or card issuer.
Do I enter full card numbers?
No. DueSmart never asks for full card numbers, CVV, CVC, PIN, or account numbers. Built-in guardrails actually block full card numbers before any data is saved. You only enter a nickname and the dates and balances you choose.
What is a statement close date?
It's the day your card issuer takes a snapshot of your balance and reports it to the credit bureaus as your utilization. It usually falls about 21 to 25 days before your due date. Most people only know their due date, but the close date is the one that shapes your reported utilization.
Can DueSmart track my subscriptions?
Yes. Add Netflix, Spotify, your gym, or any service you pay for. Before each renewal you get a reminder with a simple choice: keep it or cancel. The free preview tracks up to 5 subscriptions. Paid plans track up to 25 and add a yearly spending summary. DueSmart only reminds you; you cancel with the company yourself.
If I start free, will I lose my cards when I upgrade?
No. Upgrade on the same phone or computer you used for the free preview, and your cards and subscriptions move into your paid account automatically.
What if I need more than 25 cards?
Move up to Business: 75 cards and 75 subscriptions. In your dashboard, tap Manage my plan, then Upgrade to 75 cards, or use this link: Upgrade to 75 cards. Yearly members pay $50 more a year, monthly members $7 more a month, and you pay only the difference today.
Is the free plan really free?
Yes, free for up to 2 accounts after you complete the short onboarding form. No payment card, bank login, or Plaid connection is required. You only upgrade if you want to track more than 2 cards or loans and unlock the complete Tracker workspace.
What happens to existing Founder customers?
Existing customers keep the access they already purchased. New customers choose $99 a year or $12 a month for up to 25 accounts, renewing until they cancel, or pay $99 once for 12 months with no automatic renewal.
Card dates, in plain words
Credit card due dates, closing dates, and utilization, explained simply.
Short answers to the questions people ask most. Your card issuer's statement and agreement always have the final word.
When is my credit card statement closing date?
Your statement closing date is the last day of your billing cycle. It is printed on your monthly statement and in your card's app, and it lands on about the same day each month. Your payment due date is usually at least 21 days later. The DueSmart Tracker shows the closing date for every card so you can act before it.
Statement date vs due date: what is the difference?
The statement date, also called the closing date, is when your balance is recorded and your statement is made. The due date is the deadline to pay at least the minimum and avoid a late fee. Paying by the due date keeps you current. Paying before the statement date can lower the balance that gets reported.
Statement balance vs current balance: which one should I pay?
Your statement balance is what you owed on the closing date. Your current balance adds anything that happened since then, like new purchases or payments. Paying the full statement balance by the due date usually avoids interest on purchases when your card has a grace period. Check your card agreement for your exact terms.
When is the best time to pay a credit card?
Always pay at least the minimum by the due date. Paying your credit card before the due date is fine, and many people also pay before the statement date so a lower balance shows on their credit report. Some people make two payments a month, one before the closing date and one by the due date. DueSmart reminders help you remember both dates.
What is a credit card grace period?
A grace period is the time between the end of your billing cycle and your payment due date. If you pay your full statement balance by the due date, many cards charge no interest on new purchases. Federal rules require card statements to be mailed or delivered at least 21 days before the due date. Terms vary, so check your card agreement.
What is a credit utilization ratio?
Your credit utilization ratio is how much of your available credit you are using. If your card limit is $2,000 and your balance is $500, your utilization is 25%. Scoring models can look at each card and at all your cards together. It is one factor among many in a credit score.
What is a good credit utilization?
Many lenders and credit educators suggest keeping utilization under 30%, and lower is often better. There is no single perfect number, and results vary from person to person. In DueSmart you can set a goal for each card, such as under 10% or under 30%.
How do I use a credit utilization calculator?
Enter your credit limit, your balance right now, and your goal. The calculator shows how much to pay before your closing date to reach that goal. Try the free calculator on this page, then let the Tracker run the same math for every card you add.
When does a credit card report to the credit bureaus?
Most card issuers report once a month, often around the statement closing date. That day is sometimes called your credit card reporting date, and the exact timing depends on your issuer. If you are not sure, call the number on the back of your card and ask when they report your balance.
Can I change my credit card due date?
Many card issuers let you request a new due date by phone or online, sometimes once a year. Changing your due date usually moves your closing date too. Update both dates in your DueSmart Tracker afterward so your reminders stay correct.
How can I avoid credit card late fees?
Pay at least the minimum by the due date every month. Ask your card company to set up autopay for at least the minimum, and keep a reminder a few days ahead. DueSmart provides reminder emails for paid members, plus browser alerts in the app. Those browser alerts remind you before each due date, so a busy week does not turn into a late fee.
How do I manage multiple credit cards?
To keep track of multiple credit cards, write down each card's nickname, limit, balance, statement closing date, and due date in one place. A credit card tracker spreadsheet works, but it will not remind you. The DueSmart Tracker works like a credit card organizer that keeps every card and loan in one calendar with reminders. If you are paying down balances, the payment log doubles as a simple debt payment tracker. You never enter card numbers or bank logins.
Is DueSmart a credit card tracker app or a bill reminder app?
Both. It is a credit card management app that does two jobs. As a credit card tracker app, it lets you log every payment and purchase, see each balance and your utilization, and keep loans beside your cards like a loan payment tracker. As a bill reminder app, it provides reminder emails for paid members, plus browser alerts in the app, before each due date and adds your dates to Apple, Google, or Outlook calendar. You never connect a bank.
Is there a simple bill tracker for seniors?
Yes. The DueSmart Tracker uses large, clear text and plain words, and the Simple View puts everything on one short page in six languages. If you would like a hand, our setup help packages start at $199 and include phone calls where we add your cards and due dates with you.
More from DueSmart
DueSmart BusinessFor business owners and anyone with more than 25 cards.
DueSmart coursesStep-by-step credit courses that work with the Tracker.
The Credit WorkspaceStep 2: check your reports for mistakes and watch your score month by month.
Earn with DueSmartShare DueSmart and earn when people succeed with it.
Get Started Today
Stop letting credit card confusion cost you. Start using credit smarter.
Complete the short form, then add your first card or loan and start building a money-control routine around your due dates, balances, and approval readiness. No bank login or card number is required.
Short form required for 2 free accounts plus 5 subscriptions · $99 a year or $12 a month · cancel anytime in one click · pay once option available
⚠️ Important Disclosures
- DueSmart does not guarantee credit score increases or any specific outcome.
- DueSmart is not credit repair, credit counseling, lending, banking, legal, or financial advice.
- Always confirm balances, due dates, and payment status directly with your card issuer or lender.
- DueSmart helps you organize credit card and loan information so you can make more informed payment decisions.
- DueSmart does not remove negative items from credit reports and makes no representation that it can.
- Results vary. Credit scores are calculated by credit bureaus based on your full credit profile.