How to manage your credit cards : Tracking credit card important details, bill payment status, targeted offers

[TechnoFino]

If you have one or two credit cards, then managing those cards are not that difficult. But what if you have more than 5 credit cards?
In this case, I'd recommend you to maintain some Excel sheets for managing all your credit cards properly.
I personally maintain 3 excel sheets for managing all my 40 credit cards.

1. For tracking credit cards important details
2. For racking credit card bill payment tracking
3. For tracking spend-based offer

I'm uploading my excel sheet format here. You can download and use it if you want.

And don't forget to watch this video -

 

[SC_23]

BTW if someone has multiple cards does he still have to maintain 30% utilization on each card or 30% on total credit limit?
Like someone has 2 card with limit 1 lakh each so total limit comes down to 2 lakhs
So if he spends 60k on card A and 0 on card B will this effect credit score in negative way as its only 30% of total credit limit or one should spend according to per card basis ?

 

[vaibhav111]

t

BTW if someone has multiple cards does he still have to maintain 30% utilization on each card or 30% on total credit limit?
Like someone has 2 card with limit 1 lakh each so total limit comes down to 2 lakhs
So if he spends 60k on card A and 0 on card B will this effect credit score in negative way as its only 30% of total credit limit or one should spend according to per card basis ?

total credit limit , as your limit increases the ratio will come down (assuming card c has zero spend)or just pay before the bill generate

 

[SC_23]

total credit limit , as your limit increases the ratio will come down (assuming card c has zero spend)or just pay before the bill generate

Cool looks like now I wont have to worry about making pre payment to maintain credit limit anymore on my primary card.

 

[AsB]

Suggestion to the app that I built

I generally build websites during my free time. So, I decided to digitize the card management system. Here are a few snapshots of what I did so far. I would like some suggestions ? Also, I have not hosted into the server, so no one can access this app at the moment, but if I do so, and if you...

www.technofino.in

Give your suggestions on the above forum

 

[AsB]

Update - A sample website is now live :-

Welcome | E-Wallet

card-reminder-nodejs.herokuapp.com

It is only for a limited time (maybe 2 months), as it will self-destruct the website after the free tier expires.

 

[Sreerag]

Update - A sample website is now live :-

Welcome | E-Wallet

card-reminder-nodejs.herokuapp.com

It is only for a limited time (maybe 2 months), as it will self-destruct the website after the free tier expires.

Tried... Very good website and does the job perfectly....

 

[rjsudeep]

@TechnoFino How many years did it take for you to acquire 40 credit cards?

 

[DISHANT]

ANYTHING I MISSED? EXCEPT TARGETED? @TechnoFino @Subhankar

 

[deep@vie]

BTW if someone has multiple cards does he still have to maintain 30% utilization on each card or 30% on total credit limit?
Like someone has 2 card with limit 1 lakh each so total limit comes down to 2 lakhs
So if he spends 60k on card A and 0 on card B will this effect credit score in negative way as its only 30% of total credit limit or one should spend according to per card basis ?

yes

 

[Subhankar]

ANYTHING I MISSED? EXCEPT TARGETED? @TechnoFino @Subhankar

There's a new thing coming soon from our end. It'd reduce the manual work a lot

 

[DISHANT]

There's a new thing coming soon from our end. It'd reduce the manual work a lot

Looks like @TechnoFino dada is next Kunal Shah & @Subhankar da will be product head 🤩🫣
App Name would be Trekt

 

[Patil007]

Not able to see Excel. Please provide link to download

 

[DISHANT]

Not able to see Excel. Please provide link to download

Not able to see Excel. Please provide link to download

No excel required. Soon Team will give effortless solutions.

 

[Jhon Anand]

1. Your uses till month end (not according to any bill cycle).
2. Combined spends


Maximum bank adjust accordingly (example- icici)

SBI CC told me that they will consider only bill amount of last 12 months for waiver on phone

 

[greenmail007]

Hey. Thanks for share....,