CreditMate

The problem

A cardholder in Vietnam usually holds several credit cards at several banks, plus a few installment plans, a consumer loan and a pay-later wallet. The information is scattered: each bank app sees only its own cards, statement closing dates and due dates differ, and offers change weekly. As a result simple questions are hard to answer: how much is due in total this month, how much of the real limit is left, which card to use for this purchase.

Existing tools all have gaps. Bank apps do not see across banks. Spending trackers lack the notions of statements, shared limits and effective interest. Spreadsheets can do it, but you enter and calculate everything yourself and make mistakes exactly where it matters, such as counting a shared limit several times. And card data is the kind of data nobody wants on a stranger's server.

The solution

CreditMate brings every obligation into one place, applies the specific rules of Vietnamese credit cards correctly, and keeps the data on the device.

Money and limits done correctly

Money is stored as integers in the smallest unit and ratios in parts per million, so there is no hidden rounding error. A shared limit is stored once: three cards sharing a 150,000,000 VND limit remain 150,000,000 VND, not 450,000,000 VND. A missing figure shows as "Unknown" and is never counted as 0.

Importing without writing blindly

PDF statements, balance-change messages, bank app screenshots and CIC reports are all read on the device into drafts. Only when you confirm is the ledger written, and a double-posting guard makes sure re-importing creates no duplicates. OTP messages are only counted, and PDF passwords are used once.

Advice with reasons

The app tells you which card to use based on offers, cashback caps, MCC and remaining limit, tracks annual-fee waiver targets, and computes the effective annual rate and an early-payoff estimate for loans. The offers library covers 27 banks with date-based validity and is clearly marked unverified.

An AI assistant with limits

The assistant answers from the figures in the app, lets you choose an on-device or cloud AI source, has a monthly cost budget, and can only create drafts.

Security by design

Locking with Face ID or a separate 6-digit PIN, a payment-details vault encrypted with AES-GCM in a device-only Keychain, and encrypted backups. The full card number never reaches the assistant or a backup.

Comparison with common tools

Legend: done well, ~ partial or manual effort, not available.

CreditMate's strength is seeing across banks and applying credit card rules correctly while keeping data on the device; its limits are that figures are entered or read from documents rather than pulled from the bank, offer data is unverified, and the app is still an internal development build that has not been released.