# Credit Hub: Card Tracker — Utilization & payday planner > Credit card and loan management with payment optimization and statement tracking. (iPhone/iPad app by LotusBloom LLC.) - Source: https://appshunter.io/ios/app/credit-hub-card-tracker/id6787325432 (this page in markdown: same URL + `.md`) - Developer: [LotusBloom LLC](https://appshunter.io/developer/6787325434) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 20 MB - Languages: American English - Released: 2026-09-18 - Data updated: 2026-10-15 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/credit-hub-card-tracker/id6787325432/reviews.md ## What is Credit Hub? Know what to pay, on which card, from which paycheck, before your statement closes. Credit Hub gives you one clean, cycle-aware view of every credit card, line of credit and loan you have, personal and business. SPLIT PAYMENTS ACROSS PAYDAYS Tell Credit Hub when you get paid. The Due-Date Optimizer spreads your card payments across your paychecks and shows exactly what to pay from each one. SEE WHAT REPORTS, AND WHEN Your utilization is reported on your statement close date, not your due date. Credit Hub tracks both and tells you which card is about to report high, and how much to pay down before it closes. EVERY CARD AT A GLANCE Total owed, total available, and how full each card is, on one screen. A living globe groups your cards by what they need: pay down, watch, on track. EVERY DATE ON ONE CALENDAR Statement closes and due dates for every account, with reminders, so no payment surprises you. ADD CARDS WITHOUT A BANK LOGIN Hand Credit Hub a statement PDF and it reads the balance, limit, APR and dates for you. Scanned statements work too. Or link your bank if you prefer. RECEIPTS, TAX-READY Capture receipts as you go, keep personal and business apart, and export to PDF or Excel. PRIVATE BY DESIGN Start without an account. Your cards and recevice, included in your iCloud backup and locked behind Face ID. No card offers. Create a free account only if you want the Credit Health check-in, bank linking or reminders. Credit Hub doesn't pull or show a credit scor Free accounts hold up to 5 cards and 3 receipoves both limits and unlocks My plan, the fullpayoff and liquidity tools, extra insights and receipt reports. Credit Hub Premium is an auto-renewing subscription: $12.99/month or $99.99/year. Payment is charged to your Apple Account at purchase confirmation and renews aled at least 24 hours before the end of thecurrent period. Manage or cancel anytime in your App Store account settings. Terms of Use (EULA): https://credithubapp.com/terms Privacy Policy: https://credithubapp.com/priv ## Key features - Payment optimization across paydays - Statement close date tracking - All cards at a glance - Calendar view for all dates - Add cards via statement PDF - Receipt capture and export ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Premium Monthly | $12.99 | per month | | Premium Annual | $99.99 | per year | ## Is Credit Hub safe? Not enough ratings yet to assess Credit Hub. ## Is Credit Hub legit? Credit Hub: Card Tracker has limited verification signals. The AppsHunter Legitimacy Score for Credit Hub is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/credit-hub-card-tracker/id6787325432/reviews.md ### 5/5 — The balance I needed *2026-10-04* My life is hectic and I’m 1000% on the go all the time. I was having problems remembering due dates and statement dates. I caught this app in the beta stage and has been a loyal customer since due to utilization my credit Score 60 points. ## Frequently asked questions about Credit Hub ### What is Credit Hub's primary function? Credit Hub helps you manage all your credit cards and loans by providing a clear view of balances, limits, and due dates. It optimizes payments across your paydays and tracks statement closing dates to help you manage utilization. ### How does Credit Hub help with payments? You can tell Credit Hub when you get paid, and it will intelligently spread your card payments across your paychecks. This ensures you know exactly what to pay from each paycheck to stay on track. ### Can I add my credit cards without linking my bank account? Yes, Credit Hub allows you to add cards by uploading a statement PDF, which it can read to extract balance, limit, APR, and dates. You can also link your bank if you prefer. ### What are the limitations of the free version of Credit Hub? The free version of Credit Hub allows you to track up to 5 cards and 3 receipts. To unlock additional features like credit health check-ins, bank linking, and advanced reporting, you'll need a premium subscription. ### What are the subscription options for Credit Hub Premium? Credit Hub Premium offers two subscription plans: a monthly plan for $12.99 and an annual plan for $99.99. Payments are charged to your Apple Account at purchase confirmation. ### How secure is my financial data with Credit Hub? Credit Hub is designed with privacy in mind. You can start without an account, and your data is backed up via iCloud and protected by Face ID. A free account is only required for optional features like bank linking. ### How often is Credit Hub updated? The latest version of Credit Hub is 2.2.1, and it was last updated on October 7, 2026. This indicates regular updates to improve functionality and reliability. ### What devices does Credit Hub support? Credit Hub is currently supported on iPhone devices. It is designed for mobile use to help you manage your finances on the go. ## Version history (last 5 releases) ### 2.2.1 — 2026-10-07 Liquidity, rebuilt, and now in your tab bar Tell Credit Hub what the money is for: • Paying a bill. Rent, utilities, taxes, tuition, a mortgage or a loan. See which card and bill-pay service costs least: fee, interest and total. Pay on the service's own site. Credit Hub never moves your money. • Cash to your bank. See what a cash advance would cost on each card, cheapest first. Also new: • Liquidity has its own tab. Insights is now in the Menu. • No setup needed. Just check with your bank before counting on a cash advance. • Long statements (up to 40 pages) and more bank PDFs now import. • Lines of credit show their correct limit. ### 2.2.0 — 2026-10-04 Faster sign-in, and an easier way to try Premium. • Sign in with Apple or Google in one tap. No password, no code to type. • New: a 7-day free trial of Credit Hub Premium for new subscribers. • Premium is now easy to find from every screen. • Premium includes bank auto-sync, unlimited cards, receipt scanning and reports, PDF and Excel exports, the full Credit Health breakdown, and your payoff plan. • Free accounts include 1 card to try Credit Hub. • Optional tips and updates by email. Unsubscribe anytime. • Performance improvements and fixes. ### 2.1.0 — 2026-10-03 A new Credit Health check-in Credit Health now rates six areas of your credit on their own: payment history, negative marks, utilization, account age and mix, recent applications, and report accuracy. Each one shows Good, Watch or Needs work, and your overall result reflects what matters most, not an average. • No account needed. Guests can take the check-in too. • Your answers stay on your phone. • Utilization is calculated from the cards you've added, so there's nothing to guess. • A few new questions give a more complete picture. • Premium shows a next step for each area. Share it with your advisor The PDF export now opens with your Credit Health summary, followed by your billing calendar and card table. Send it to a loan officer, housing counselor or credit professional before your first call. If you took the old check-in, take it once more to see your new results. Credit Hub doesn't pull or show your credit score. Credit Health is a self-assessment. ### 2.0.1 — 2026-09-25 Credit Hub 2.0 is a full redesign built around seeing everything at a glance. • New Home: your cards, what's coming up and what to do next on one screen. Tap the globe to jump into your calendar. • Calendar globe: every statement close and due date, grouped by color. Tap a color to see that group's days. • Receipts, rebuilt: a spending chart, top categories and a photo grid. Group by month, quarter, or personal vs business, and export any group. • My plan (Premium): set each card's payment, compare your balances now vs after, then save or export the plan. • Payoff Planner now starts from a realistic budget. • Contact, support, privacy and terms are all in the Menu. • Fixes: no more blank screen after closing the Menu, and Last 4 always keeps four digits. Premium now includes My plan, the full Payoff and Liquidity tools, extra Insights, and monthly and quarterly receipt reports. ### 2.0 — 2026-09-23 Credit Hub 2.0: a whole new look, built for at-a-glance. Everything's new on screen • A new golden design: frosted-glass screens and the LotusBloom lotus turning as you scroll • A new opening video when you launch the app Home • One number for your utilization, plus exactly what to pay next and by when Calendar globe • All your cards on one glowing globe: red, yellow, green and grey • Tap a color to see just those cards around the month, with clear markers for payment due vs. statement close Cards, redesigned • Charts instead of paragraphs: how full each card is, interest per month, and where your balance sits • Swipe through your cards one at a time New Insights tab • See where your utilization lands after your suggested payments Receipts • Spending by month and category, plus a photo grid of your receipts • Group by month, quarter or personal/business New Menu • Tools, Credit Health, settings and support, all in one place Premium • My plan: adjust each card's payment, compare current vs. after, and save or export as PDF or spreadsheet • Payoff Planner and Liquidity tools • Monthly and quarterly receipt reports, with reminders Plus fixes and speed improvements throughout. --- The Premium section says which features are paid, which avoids the complaint that the notes promised features people then have to pay for. ## Apps similar to Credit Hub | App | Rating | Price | Category | | --- | --- | --- | --- | | [snappy cash](https://appshunter.io/ios/app/snappy-cash/id6763225942) | — | Free | Finance | | [Net Worth: Assets & Debts](https://appshunter.io/ios/app/net-worth-assets-and-debts/id6771454388) | — | Free | Finance | | [Finxy Finance Calculators](https://appshunter.io/ios/app/finxy-finance-calculators/id6745461206) | — | Free | Finance | | [WealthNX AI](https://appshunter.io/ios/app/wealthnx-ai/id6753972698) | 5.0 (6) | Free | Finance | | [Banca currency converter](https://appshunter.io/ios/app/banca-currency-converter/id431528245) | — | Free | Finance | | [Rift AI: Learn & Trade 24/7](https://appshunter.io/ios/app/rift-ai-learn-and-trade-247/id6746291993) | 4.9 (43) | Free | Finance | ## Related topics [credit card tracker budget](https://appshunter.io/ios/topics/credit-card-tracker-budget) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-15.*