Crdit: Smarter Utilization

Paying on time isn’t enough. How it’s reported makes the difference.

Crdit helps you understand credit utilization by showing when your balances are reported, so your credit profile reflects your real habits - not just your due dates.

Many people pay their cards on time and still see unexpected changes in their credit score. That’s because utilization is determined by what gets reported, and reporting happens before the due date. Crdit makes this clear and actionable.

How Crdit Works • See when your credit card balances are reported • Get alerts for when to pay and how much • Track utilization across all your cards in one place • Build better credit habits without changing how you spend

Crdit works with any credit card, across issuers, and focuses on one of the most important factors in credit scoring: utilization.

Why Utilization Matters

Credit utilization is a major part of how credit profiles are evaluated. Even small differences in reported balances can affect how lenders view your credit. Crdit helps you stay aware of those moments—without loans, products, or credit checks.

Built for Clarity • Secure connections through Plaid • No lending, no credit checks • No debt or new accounts required • Education-first, timing-based insights

Crdit does not provide financial advice or guarantee credit score changes. Results vary based on individual credit behavior and reporting cycles.

Who Crdit Is For • Anyone using one or more credit cards • People confused by utilization swings • Users preparing for major financial decisions • Anyone who wants clarity around credit timing

Key Features • Credit utilization tracking • Statement date visibility • Payment timing alerts • Utilization trends • Community forum for shared learning

Privacy Policy & Terms of Use: crditapp.com

Subscription Information

• Duration: Monthly
• Price: $7.99/month
• Payment will be charged to your iTunes Account at confirmation of purchase
• Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period
• Your account will be charged for renewal within 24 hours prior to the end of the current period
• You can manage your subscription and turn off auto-renewal by going to your Account Settings after purchase

Note: Subscription includes a Plaid integration for financial account connectivity and additional functionality. Access to features requires a subscription.