CreditMate is an iPhone and iPad app that helps cardholders in Vietnam manage credit cards, consumer loans and pay-later wallets on one clear screen. It answers four everyday questions: how much do I owe, which statement is due next, how much of my real limit is still available, and which card should I use for this purchase.
Current version: 0.3.0 (2026-10-08), version 0.4.0 in progress · iOS/iPadOS 18 or later · See the Changelog.
The 0.x releases are internal development builds. They are not on the App Store or TestFlight. This documentation describes what the app does at the time of writing.
Three principles
- Your data stays on your device. No account, no CreditMate server. Everything is stored locally, and backups are encrypted with a password of your own. See Security and privacy.
- Nothing is posted until you confirm. Imports, statement reading and assistant suggestions only create drafts. The ledger is written only after you review and confirm, with a guard against double posting.
- Unknown is not zero. When a figure is missing, the app shows "Unknown" or "Not updated yet" and never silently counts it as 0. Money is calculated with exact integers, never floating point numbers.
What's new
| Version | Date | Highlights |
|---|---|---|
| 0.4.0 (coming soon) | In progress | Payment-details vault with its own PIN; pasting many bank notifications at once; importing transactions from VIB and OCB history screenshots; a date-aware offers library for 27 banks; ChatGPT cost tracking; early payoff compared with continuing to pay; user profile; loans that use up card limit; English translation |
| 0.3.0 | 2026-10-08 | Floating assistant bubble; Claude as the fourth AI source; consumer loans with three repayment methods |
| 0.2.0 | 2026-10-07 | AI assistant core; card art drawn in SwiftUI; Insights screen; create, move, merge and split shared-limit groups |
| 0.1.0 | 2026-10-07 | Foundation: exact money, ledger, installments, offers, statement import, encrypted backup, reminders |
Documentation contents
Getting started
- Install and get started: requirements, building from source, first launch.
Cards and debt
- Card wallet and shared limits: several banks and cards, limits counted once.
- Installments, loans and BNPL: repayment methods, effective annual rate, early payoff.
Import and advice
- Statements, SMS and screenshots: every data source goes through drafts.
- Card advice, offers and annual fees: which card to use for each purchase.
- AI assistant: questions and drafts.
Security and engineering
- Security and privacy: app lock, payment-details vault, backups.
- Architecture and engineering rules: code structure, money rules, testing.
- Changelog: changes by version.