Show HN: Use the right credit card every time(whichcard.info)
whichcard.info
Show HN: Use the right credit card every time
https://whichcard.info
1 comments
Feature requests:
1. Ability to add a debit card and receive a "just use a debit card" advice.
2. Ability to enter single-transaction limits on cards. The absurdly low and non-negotiable online transaction limit on my debit card (30,000 PHP = 515 USD) is the only reason why I had to apply for a credit card.
3. Ability to enter bank conditions like "if you don't spend 50,000 PHP monthly from this card, we'll apply a 500 PHP service charge".
1. Ability to add a debit card and receive a "just use a debit card" advice.
2. Ability to enter single-transaction limits on cards. The absurdly low and non-negotiable online transaction limit on my debit card (30,000 PHP = 515 USD) is the only reason why I had to apply for a credit card.
3. Ability to enter bank conditions like "if you don't spend 50,000 PHP monthly from this card, we'll apply a 500 PHP service charge".
Your balance gets reported to credit bureaus when your statement closes — not when you pay. So even though I pay in full every month, I was spiking my utilization without realizing it.
I built WhichCard to fix that. It shows: Available spend under 30% on each card Days until each statement closes Red / yellow / green indicators for quick decisions
Example: Chase shows $450 available but closes in 3 days → Don’t use. Capital One shows $890 available and just closed yesterday → Safe.
Timing turned out to matter more than I expected.