Credzo

Credzo – Smart Credit Card Manager for India

Managing multiple credit cards shouldn't be stressful. Credzo brings all your credit cards, transactions, and financial goals into one secure, intelligent app — built specifically for Indian users.

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📊 FINANCIAL STRESS SCORE (FSS)
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Credzo's proprietary Financial Stress Score gives you a real-time snapshot of your credit health. Based on your debt-to-income ratio, card utilisation, and spending patterns, FSS tells you exactly where you stand — and what to fix.

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💳 MULTI-CARD TRACKING
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• Track all your credit cards in one place
• Monitor balances, limits, and due dates
• Set monthly spending limits per category
• Never miss a payment or overspend again

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🏷️ TRANSACTION AUTO-CATEGORISATION
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• Automatically reads and categorises transactions from your SMS inbox
• Supports Indian merchants across food, travel, shopping, utilities & more
• Override categories anytime to suit your preference
• Requires SMS permission for auto-fetch of last 3 months of transactions

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🤖 AI FEATURES — PREMIUM
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Unlock the full power of Credzo with AI-powered tools:

• AI Rebalance — analyse your spending patterns and get actionable suggestions to rebalance expenses across categories
• Goal Planner — set financial goals and let AI map out a realistic plan to achieve them

AI features are available as a paid subscription. A 7-day free trial is included for all new users — no credit card required.

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🔒 SECURITY & PRIVACY
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• Email verification mandatory at sign-up
• Secure authentication via email/password or Google Sign-In
• SMS data is read locally and never shared with third parties
• Account deletion available on request via credzoapp.com/account-deletion

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📩 SUPPORT
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support@credzoapp.com

Credzo is currently in Alpha. Features are actively being developed. Your feedback shapes the product — every insight counts.