Credit Owl

Most people don't know when their credit utilization is actually being reported. Credit Owl changes that.

Your credit utilization is captured at your statement close date, not on your balance due date. Credit Owl tracks that date for each of your cards using research-backed reporting rules for 25+ issuers, including Apple Card, Chase, Amex, Capital One, Discover, and Citi. You get a per-card reminder at exactly the right moment, every cycle telling you exactly what to pay and when, so you control what gets reported to the bureaus.

The optimal utilization is 1% to 8%. Credit Owl lets you fine-tune your personal target.

Credit Owl Pro unlocks unlimited cards and bank syncing on a monthly or annual plan. Your next statement close is closer than you think, make sure you're ready for it.

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