# CreditMaxer — Cards and loans, in one place. > All-in-one credit management, education, and comparison tool. (iPhone/iPad app by Calvin Hetes.) - Source: https://appshunter.io/ios/app/creditmaxer/id6798766112 (this page in markdown: same URL + `.md`) - Developer: [Calvin Hetes](https://appshunter.io/developer/6817624307) - Category: Finance - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 17+ - Requires: iOS 15.1 · 43 MB - Languages: American English - Released: 2026-09-24 - Data updated: 2026-10-29 - Monetization: free ## What is CreditMaxer? CreditMaxer puts your whole credit life in one app. Track every card and loan balance in one place, get reminded before anything is due, learn how credit really works, and find your next card or loan by the math instead of the marketing. EVERYTHING IN ONE PLACE • All your credit cards and loans on one screen: balances, limits, utilization, APRs, and due dates. • Link accounts through Plaid or add them by hand. • A home screen that leads with your score and a short list of moves: what to pay, how much, and by when. NEVER MISS A DATE • Reminders before a payment is due and before a statement closes. • A credit calendar with every due date and closing date on it, for cards and loans alike. BUILD YOUR SCORE WITH EASY HABITS • See utilization per card and across all of them, the way scoring models read it. • The AZEO planner (All Zero Except One) picks the card that should report a balance, works out the amount, and tells you when to pay the rest. • Know when each card is eligible for a credit limit increase and how that issuer prefers to be asked. • A score simulator shows how a move might change your score before you make it. FIND YOUR NEXT CARD • Browse more than 2,000 credit cards with their rewards, fees, welcome offers, and benefits. • Enter your real spending to see which card would earn you the most and which reward categories you are missing. • Balance transfer calculator, airport lounge map, and business cards included. FIND THE RIGHT LOAN • Compare published rates for auto, personal, and mortgage loans, each with the date it was last verified. • See which lenders let you prequalify with a soft pull, so you can rate shop without touching your score. • Browse credit unions you can join. LEARN HOW CREDIT WORKS • A five-minute crash course on scores, reports, and the habits that matter. • A step-by-step guide for building credit from scratch. • How to pull and read your credit reports. • An optional AI assistant and monthly advisory report that answer your questions using your own numbers. Both stay off until you turn them on. PRIVATE BY DESIGN • Bank connections are read-only. CreditMaxer never sees your bank login and cannot move money. • No advertising or analytics trackers. Your data is never sold. • Two-factor authentication on every account, optional Face ID lock, and account deletion right in the app. CreditMaxer is an educational tool. It is not a lender, a credit bureau, or a credit repair service, it does not pull your credit report, and nothing in it is financial advice or a guarantee of any score change. Some lender links are sponsored and are labeled where they appear. Sponsorship never affects rankings. Privacy policy: https://www.creditmaxer.ai/privacy Terms of service: https://www.creditmaxer.ai/terms ## Key features - Track all credit cards and loans - Payment and statement reminders - Credit score simulator - Card and loan comparison - Credit building education - AI-powered financial insights ## Is CreditMaxer safe? Not enough ratings yet to assess CreditMaxer. ## Is CreditMaxer legit? CreditMaxer has limited verification signals. The AppsHunter Legitimacy Score for CreditMaxer is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Frequently asked questions about CreditMaxer ### What is CreditMaxer? CreditMaxer is a free finance app designed to help users manage their credit cards and loans, track their credit score, and find new financial products. It provides educational resources and tools to build credit habits. ### Is CreditMaxer free to use? Yes, CreditMaxer is completely free to use. It does not have any in-app purchases or advertisements, making it an ad-free and cost-free experience for all users. ### How does CreditMaxer help build credit? CreditMaxer offers features like utilization tracking, an AZEO planner, and credit limit increase guidance to help users build positive credit habits. It also includes a score simulator to show potential impacts of financial decisions. ### Can CreditMaxer link to my bank accounts? CreditMaxer can link to credit card and loan accounts through Plaid for read-only access. It does not see your bank login details and cannot move money, ensuring your financial information is secure. ### Does CreditMaxer provide financial advice? CreditMaxer is an educational tool and does not provide financial advice. It offers information and tools to help users understand credit and make informed decisions, but it is not a lender or credit repair service. ### What devices is CreditMaxer available on? CreditMaxer is currently available for iPhone and iPod devices. It is designed for users who want to manage their credit on the go. ### How often is CreditMaxer updated? The app was last updated on September 27, 2026, with version 1.0.2. This indicates regular maintenance and potential feature additions to improve user experience. ### What is the age rating for CreditMaxer? CreditMaxer has an age rating of 17+. This is likely due to the financial nature of the app and the complexity of the information it provides regarding credit and loans. ## Version history (last 2 releases) ### 1.0.2 — 2026-09-27 Modified the AI assistant UI and added the "Find missing reward categories" feature. ### 1.0 — 2026-09-24 No release notes. ## Apps similar to CreditMaxer | App | Rating | Price | Category | | --- | --- | --- | --- | | [Credit Hub: Card Tracker](https://appshunter.io/ios/app/credit-hub-card-tracker/id6787325432) | 5.0 (1) | Free | Finance | | [Check Writer Pro](https://appshunter.io/ios/app/check-writer-pro/id6815601179) | — | Free | Finance | | [Trustworthy - The Family OS®](https://appshunter.io/ios/app/trustworthy-the-family-os/id1544087640) | 4.3 (120) | Free | Finance | | [BillOut - Bill Tracker](https://appshunter.io/ios/app/billout-bill-tracker/id1561575664) | 4.8 (291) | Free | Finance | | [My Home Bills: Bill Organizer](https://appshunter.io/ios/app/my-home-bills-bill-organizer/id1363776139) | 4.6 (272) | Free | Finance | | [iCreditWorks](https://appshunter.io/ios/app/icreditworks/id1455870277) | 4.8 (1,283) | Free | Finance | --- *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 2026-10-29.*