Credit Card Tracker
Track card limits, outstanding balances, due dates, and utilization ratio — all stored locally.
Add Credit Card
Frequently Asked Questions
What is credit utilization ratio?
Credit utilization = Outstanding Balance ÷ Credit Limit × 100. Below 30% is considered healthy. Above 80% can hurt your CIBIL score.
Is my card data stored securely?
Only the last 4 digits of your card are stored — never the full card number. All data stays in your browser's localStorage and is never sent to any server.
Why track credit utilization?
High utilization (above 30-40%) negatively impacts your credit score (CIBIL). Tracking helps you stay in the "healthy" zone and manage multiple cards efficiently.
Does this auto-fetch my card balance?
No. You manually update your outstanding balance. This keeps the tool free, private, and zero-maintenance with no bank API dependencies.
How many cards can I track?
There is no fixed limit. You can add as many cards as you have. The average Indian has 2-3 credit cards.
What is an ideal credit limit?
A good rule of thumb is 3-5x your monthly salary combined across all cards. Higher limits help keep utilization low even with moderate spending.