Credit Card Central vs CentZero

Your next annual fee is coming. Credit Card Central knows the date — and reminds you 30, 7, and 1 day before it posts, along with every sign-up bonus deadline, payment due date and expiring statement credit across your wallet. No bank logins. No account. Your cards live on your device, and the app never sends them anywhere. YOUR NEXT 12 MONTHS, ON ONE TIMELINE • Every annual fee, bonus deadline, credit reset and category rotation, grouped month by month • See what each month costs before it arrives, not the week it posts • The year's captured value netted against what your wallet actually charges you CREDITS & PERKS IN ONE CHECKLIST • Every recurring statement credit across every card, in one place • See exactly what's still unclaimed this month, quarter, and year • Check them off as you use them, or log part of one; each resets on its own schedule, including credits that renew on your card anniversary • Reminders before unused credits disappear — mark one used right from the reminder ANNUAL FEE RADAR • Track each card's fee amount and renewal date • "Is this card worth it?" — every card totals what it gave back this year against what it costs, right where you decide • Reminders before every fee hits — 30, 7 and 1 day out, or on your own schedule • Missed the date? Most issuers refund the fee if you cancel within about 30 days of it posting — the decision stays open, with a reminder, until that window closes • Log what you did — kept it, downgraded, cancelled, or called for a retention offer — and see the total value you've recovered over time • Log a downgrade and the card becomes the new product — new fee, new rates, same history WHICH CARD? • Standing at the register? Pick a category — dining, travel, groceries, gas, streaming — and instantly see which of your cards pays back the most • Or search the store — Costco, Uber, United — to see what it counts as and which card earns the most there, brand bonuses included • Ranked by what each program's points are actually worth, not by the biggest multiplier — and you can set your own point values • Portal and brand bonuses, like 10x through a travel portal, shown separately so you can book it right • Reward rates auto-parsed from plain text, or set them per category yourself SIGN-UP BONUS TRACKING • Record the minimum spend and deadline for every welcome bonus • Log purchases toward the minimum and watch the progress bar move • See the daily spend pace you need to make the deadline • Deadline reminders before it's too late CREDIT HEALTH AT A GLANCE • Wallet-wide credit utilization with score-friendly bands • Before You Apply: apply now or from when, bank by bank — your 5/24 count with each card's drop-off date, plus the limits Amex, Citi, Capital One and Bank of America are known for • Bonus check: see whether a card's welcome-offer terms rule you out before you apply • Payment due-date reminders for cards that aren't on autopay • Total annual fees and total credit limit across your wallet FAST TO SET UP • Searchable library of 60 popular cards with fees, bonuses, reward rates, and credits pre-filled — filter by issuer, or to cards with no annual fee • When the library updates a card's fee or credits, your card can take the update in one tap • Or add any card by hand in under a minute • Search, sort, and swipe-to-delete with undo PRIVATE BY DESIGN • All data stored on your device — the app never sends it anywhere • No bank linking, no credentials, no cloud account • Included in your iCloud Backup, plus one-tap JSON export and import • Optional app lock with Face ID, Touch ID or your passcode • Full dark mode Whether you're a points-and-miles churner juggling a dozen cards or you just want to stop donating annual fees to the bank, Credit Card Central is the fastest way to stay on top of your wallet. Free to use, supported by a banner ad. A one-time Pro upgrade removes ads forever — no subscriptions, ever.

Stop paying credit card annual fees you don't have to. CentZero tracks your credit cards, alerts you before annual fees are charged, and walks you through the exact steps to get them waived — phone IVR paths, in-app routes, and chat shortcuts for each bank. Designed for cardholders in Hong Kong and Taiwan, supporting 21 major banks and 170+ card products with verified fee data. SUPPORTED BANKS • Hong Kong: HSBC, Standard Chartered, Citibank, Hang Seng, Bank of China, BEA, Amex, DBS, CCB Asia, BOCOM, ICBC Asia, CITIC • Taiwan: CTBC, Cathay United, E.SUN, Taishin, Fubon, Mega, First Bank, Hua Nan, HSBC Taiwan FEATURES • Track all your cards — fee amounts, charge dates, waiver status • Push notifications 14 days before any fee is due • Step-by-step waiver instructions for every supported bank • One-tap call or deep-link into your bank's app • Scan your card to auto-detect bank and card type (on-device OCR, nothing uploaded) • Track loyalty points and miles with expiry alerts — Asia Miles, Avios, yuu, and 20+ programs 100% FREE No paywalls, no subscriptions, no hidden fees. Your annual fee savings are yours to keep. PRIVACY FIRST CentZero never stores card numbers or sensitive financial data. Card scanning is processed entirely on your device. Terms of Use: https://walkprints.github.io/CentZero/terms.html Privacy Policy: https://walkprints.github.io/CentZero/privacy.html