Keep your credit cards in check

What you owe, at a glance

• The outstanding balance: what's owed on the card.
• Your limit, how much of it you're using, and the credit still available.
• Pick the bank or card, and its logo shows with a small card badge; the last 4 digits tell your cards apart.

Never miss a due date

• Set the card's statement day and payment due day.
• The card's page says when payment is next due, like 'next: 12 Oct, in 3 days'.
• Three days before the due day, when money is owing, a reminder arrives in the bell and on your phone.
• Turn it on or off in Me, Reminders, dates, rates, Card payment due.

Spending counted once

• Spending on the card is an expense, counted in your budgets when you use the card.
• Paying the bill from your bank is a transfer between your own accounts, so it isn't counted as spending again.
• Check the card against its monthly statement with Jayb AI, line by line.

With Jayb AI

• Ask Jayb AI to add a card, or to set its limit, statement day and due day.
• Ask 'How much do I owe on my cards?' or 'What did I spend on my Alfalah card this month?'
• Turn card payment reminders on or off by asking.

How it works

1. 1

   Add the card

   Pick its bank, then add what you owe on it today and its limit.

2. 2

   Set the days

   The statement day and the payment due day.

3. 3

   Use it as usual

   Record card spending as expenses; they count in your budgets.

4. 4

   Pay on time

   Get a reminder three days before the due day, then record the payment as a transfer.

Who it's for

• Anyone with one or more credit cards.
• People who've paid a late fee and don't want to again.
• Anyone who wants card spending inside their budget, not a surprise at the end of the month.

Questions