CreditMaxer

CreditMaxer puts your whole credit life in one app. Track every card and loan balance in one place, get reminded before anything is due, learn how credit really works, and find your next card or loan by the math instead of the marketing. EVERYTHING IN ONE PLACE • All your credit cards and loans on one screen: balances, limits, utilization, APRs, and due dates. • Link accounts through Plaid or add them by hand. • A home screen that leads with your score and a short list of moves: what to pay, how much, and by when. NEVER MISS A DATE • Reminders before a payment is due and before a statement closes. • A credit calendar with every due date and closing date on it, for cards and loans alike. BUILD YOUR SCORE WITH EASY HABITS • See utilization per card and across all of them, the way scoring models read it. • The AZEO planner (All Zero Except One) picks the card that should report a balance, works out the amount, and tells you when to pay the rest. • Know when each card is eligible for a credit limit increase and how that issuer prefers to be asked. • A score simulator shows how a move might change your score before you make it. FIND YOUR NEXT CARD • Browse more than 2,000 credit cards with their rewards, fees, welcome offers, and benefits. • Enter your real spending to see which card would earn you the most and which reward categories you are missing. • Balance transfer calculator, airport lounge map, and business cards included. FIND THE RIGHT LOAN • Compare published rates for auto, personal, and mortgage loans, each with the date it was last verified. • See which lenders let you prequalify with a soft pull, so you can rate shop without touching your score. • Browse credit unions you can join. LEARN HOW CREDIT WORKS • A five-minute crash course on scores, reports, and the habits that matter. • A step-by-step guide for building credit from scratch. • How to pull and read your credit reports. • An optional AI assistant and monthly advisory report that answer your questions using your own numbers. Both stay off until you turn them on. PRIVATE BY DESIGN • Bank connections are read-only. CreditMaxer never sees your bank login and cannot move money. • No advertising or analytics trackers. Your data is never sold. • Two-factor authentication on every account, optional Face ID lock, and account deletion right in the app. CreditMaxer is an educational tool. It is not a lender, a credit bureau, or a credit repair service, it does not pull your credit report, and nothing in it is financial advice or a guarantee of any score change. Some lender links are sponsored and are labeled where they appear. Sponsorship never affects rankings. Privacy policy: https://www.creditmaxer.ai/privacy Terms of service: https://www.creditmaxer.ai/terms