Show HN: Use the right credit card every time

[soelost]

I have 4 credit cards and kept guessing wrong about which one was “safe” to use. The issue: I was only tracking current balance/utilization, not statement closing dates.

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.

[patrakov]

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".