The changelog summarizes the notable changes to CreditMate version by version. The full technical version is in the repository's CHANGELOG.md. The 0.x releases are internal development builds, not on the App Store or TestFlight.
Coming soon (0.4.0)
Added
- Pasting many balance-change notifications at once (NCB format): the reader separates spending, refunds, and card activation or lock messages; OTP messages are only counted and their content is not stored; refunds are matched to the original transaction.
- Importing transactions from VIB and OCB "Transaction history" screenshots as a list of drafts.
- A payment-details vault and CreditMate's own 6-digit PIN.
- A knowledge and offers library for 27 banks with date-based validity, marked unverified; the assistant states how fresh the data is.
- A weekly offer-update process with a change-detection tool and a human reviewer.
- ChatGPT cost tracking; Low, Medium and High reasoning levels for Gemini.
- An "Early payoff" card comparing paying off now with continuing to pay, for loans and card installments.
- Balance per bank app in Cards, and paid periods for pay-later installments.
- User profile and the Account screen.
- Loans that use up card limit.
- A "This month" and "Next month" summary card in Installments.
- English translation of the interface and the assistant.
Changed
- Cards shows the payment due date, amount due and days left on each card; the group nearest to its due date moves to the top.
- Counts of 1,000 and above use thousands separators in the Vietnamese interface.
- iPad: layouts use the full width and larger text.
- Limit totals are split by currency instead of being added together.
Fixed
- Manual entry on foreign-currency cards no longer reads the amount as VND.
- PDF statement import uses the card's currency instead of a fixed VND.
- The lender name, loan nickname and merchant fields no longer autocorrect.
- Stabilized UI tests on iPad.
Security
- Full card numbers, CVV and payment details live only in an AES-GCM encrypted vault in the Keychain, never opened with the iPhone passcode.
- Vault input fields have Writing Tools turned off.
0.3.0 - 2026-10-08
Added
- A floating assistant bubble on every tab, with quick-reply buttons.
- Claude as the fourth AI source, with a monthly budget: a warning at 80% and a block at 100%.
- Consumer loans with three repayment methods (equal payments, equal principal, flat rate), floating rates, early repayment and the effective annual rate.
Changed
- Percentages display with at most one decimal place.
- Neutral wording in the interface.
Fixed
- Group headings in uppercase on iOS 18, onboarding buttons hidden on iPad, and the back button on iOS 18.
- Cards on iPad opened the wrong card after switching groups.
0.2.0 - 2026-10-07
Added
- AI assistant core: Apple on-device, Gemini and OpenAI-compatible local AI; tools only create drafts.
- An AI assistant screen with multi-turn context and long-term memory.
- 10 card designs drawn in SwiftUI; card photos with number, expiry, CVV and name masked on the device.
- An Insights screen about spending trends.
- "Add your first bank" onboarding; create, move, merge and split shared-limit groups.
Changed
- First phase of the interface redesign: semantic colors, Swift Charts, a sidebar on iPad.
0.1.0 - 2026-10-07
Added
- Foundation: XcodeGen project, CreditMateKit package, integer money, ppm ratios, bank calendar.
- Shared limits by group, available-limit estimates.
- A ledger with duplicate prevention, refunds, reversals and edits with history, and statement reconciliation.
- Installments that separate billed from paid; offers, annual fees, which-card-to-use advice.
- Importing data as drafts from JSON, CSV, PDF statements and images.
- A Share Extension, encrypted backup, app lock and screen covering when switching apps.
- Reminders at 9:00 on the bank's time, never duplicated.
Security
- Encrypted backup with PBKDF2 and AES-GCM.