BillCard

Track every credit card statement, due date, and payment on your own device. No account, no server, no ads. Face ID lock, annual fee reminders, and a utilization ring.

BillCard is a credit card bill tracker that lives entirely on your device.

No account. No server. No ads. No tracking. Your card data never leaves your iPhone.

— What BillCard does well —

• Track multiple credit cards with statement day, due day, credit limit, and annual fee. • Record bills and partial payments. See remaining balance at a glance. • Get a Face ID lock screen so anyone who grabs your phone can't browse your cards. • Watch a credit utilization ring change color from green to orange to red as you spend. • Receive local notifications on statement day and due day. Mark a bill paid or snooze a day right from the notification. • Auto-generate annual fee bills on the month they post. Never get surprised again. • Switch between English and Simplified Chinese on the fly. • See six months of billed vs. paid in a chart, plus an outstanding-by-card breakdown. • Export a JSON backup any time. Restore on a new device in two taps. • Designed for the US market with familiar issuers (Chase, Amex, Capital One, Citi, Bank of America, Discover, Wells Fargo, Apple Card, U.S. Bank, Barclays). Region-aware bank suggestions if you travel.

— What BillCard doesn't do —

• Connect to your bank. BillCard will never ask for your login. There is no Plaid, no Yodlee, no open-banking aggregator. • Send your data anywhere. There is no analytics SDK, no crash reporter from a third party, no email list. • Show ads or upsells.

— Why on-device only —

Your financial life is your business. BillCard treats it that way. We can't lose data we never had.

— Privacy at a glance —

• No data collection (see the privacy nutrition label below) • Local-only storage with optional iCloud private database sync • Optional Face ID / Touch ID / passcode app lock • Notifications scheduled locally; never sent from a server

Questions? Email iwbinb@gmail.com.